adnod "3" oherwydd nid 'u cleddyf y cawsant y tir, ac nid 'u braich y cawsant fuddugoliaeth, ond trwy dy ddeheulaw a'th fraich di, a llewyrch dy wyneb, am dy fod yn eu hoffi.
If the sum insured is less than the insured value, the insurer shall obtain partial rights pertaining to the subject matter of the insurance which is lost or damaged on the pro rata basis of the sum insured to the insured valuelangbot langbot