Policy Construction

Home ] Up ] B+B Construction ] Bayswater Carriers v. QBE Insurance ] Budgett Sugars v. Norwich Union ] Enterprise Oil v. Strand Ins ] Frans Maas (UK) v. Sun Alliance ] Gibbs v. Mercantile Mutual ] Jan de Nul v. Axa ] Margate Theatre v. White ] Nima v. Deves Insurnance ] Owner of MV "X" v. Hull Underwriter "Y" ] Patrick v. Royal London Mutual ] QBE Insurance v. MGM Plumbing ] Ramco (UK) v. IIC of Hannover (CofA) ] Sunport v. Tryg-Baltica CofA ] Talbot v. Nausch Hogan & Murray (CofA) ] Thor Navigation v. Ingosstrakh ] Toomey v. Scolaro's Concrete ]

Talbot Underwriting Ltd v Nausch Hogan & Murray Inc (The "Jascon 5")
English Court of Appeal: Waller, Moore-Bick and Richards LJJ: [2006] EWCA Civ 889: 29 June 2006
BUILDERS’ ALL RISKS (MARINE) INSURANCE SLIP POLICY: LIABILITY OF BROKERS FOR FAILURE TO TAKE OUT INSURANCE COVER AS PER INSTRUCTIONS: PROPER CONSTRUCTION OF POLICY: CO-INSURED: UNDISCLOSED PRINCIPAL: MATERIAL NON-DISCLOSURE: EFFECT ON SUBROGATION RIGHTS: LOSSES

Talbot Underwriting Ltd v Nausch Hogan & Murray
English High Court: Commercial Division: Cooke J.: 31 October 2005
INSURANCE: BUILDERS’ RISKS INSURANCE: WHETHER CONTRACTOR INCLUDED AS CO-ASSURED: CONSTRUCTION OF POLICY TERMS: WHETHER CONTRACTOR AN AFFILIATED COMPANY OR JOINT VENTURER: WHETHER CONTRACTOR AN UNDISCLOSED PRINCIPAL: INTENTION OF PLACING BROKERS: WHETHER FAILURE TO DISCLOSE UNDISCLOSED PRINCIPAL MATERIAL: WHETHER UNDERWRITERS HAD WAIVED NON-DISCLOSURE: LIABILITY OF BROKERS

Patrick v Royal London Mutual Insurance Society Ltd
English Court of Appeal: Tuckey, Thomas and Hallett LJJ.: [2006] EWCA Civ. 421: 30 March 2006
HOUSEHOLDER’S INSURANCE: COVER FOR LEGAL LIABILITY FOR DAMAGE TO THIRD PARTY PROPERTY: EXCLUSION OF CLAIMS ARISING FROM "WILFUL ACTS": MEANING OF "WILFUL": DELIBERATE ACT: WHETHER INTENTION TO CAUSE DAMAGE OF THE TYPE OCCASIONED REQUIRED: WHETHER RECKLESSNESS SUFFICIENT

Enterprise Oil Ltd v Strand Insurance Co Ltd
English High Court: Queen’s Bench Division: Aikens, J.: [2006] EWHC 58 (Comm): 26 January 2006
INSURANCE POLICIES: LIABILITY INSURANCE: TORTIOUS INTERFERENCE WITH CONTRACT: RIGHT OF INDEMNITY IN RESPECT OF SETTLEMENT OF LIABILITIES TO THIRD PARTY: WHETHER LIABILITY MUST BE ACTUAL OR ARGUABLE ONLY: WHETHER INSURED WOULD HAVE BEEN FOUND LIABLE BY FOREIGN COURT: APPROACH TO DECISIONS OF FOREIGN COURTS: (OBITER) RIGHT OF INSURED TO BRING EVIDENCE TO ASCERTAIN HIS INSURED LIABILITY UNDER A GLOBAL SETTLEMENT

Margate Theatre Royal Trust Ltd v Patrick White t/a A1 Moleing Services and AXA Insurance UK plc
English High Court – Technology & Construction Court: Judge Peter Coulson QC: [2005] EWHC 2171 (TCC): 6 October 2005
INSURANCE: THIRD PARTY LIABILITY: DESCRIPTION OF INSURED’S BUSINESS: UMBRELLA TITLE: "IN CONNECTION WITH": WHETHER DESCRIPTION INCLUDED WORK INCIDENTAL TO MAIN BUSINESS: WHETHER INCIDENTAL WORK HAD TO BE PERFORMED TOGETHER WITH MAIN BUSINESS

Bayswater Carriers Pte Ltd v. QBE Insurance (International) Pte Ltd
Singapore High Court: Belinda Ang Saw Ean J: 29 September 2005: [2005] SGHC 185
MARINE INSURANCE – INSTITUTE TIME CLAUSES (HULLS) 1.10.83 – WHETHER LOSS WAS BY PIRACY OR VIOLENT THEFT BY PERSONS FROM OUTSIDE THE TUG

Thor Navigation Inc v (1) Ingosstrakh Insurance Co Ltd (2) Schwarzmeer und Ostsee Versicherungsaktiengesellschaft
English Commercial Court: Gloster J.: [2005] EWHC 19 (Comm): 14 January 2005
INSURANCE: SHIPPING: CONSTRUCTIVE TOTAL LOSS: HULL AND MACHINERY INSURANCE POLICIES: "SUM INSURED": WHETHER POLICIES VALUED OR UNVALUED: s.27, S28 MARINE INSURANCE ACT 1906: RECTIFICATION: COMMON MISTAKE: ESTOPPEL

Ramco (UK) Ltd & Ors v International Insurance Company of Hannover Ltd & Anor
English Court of Appeal: Waller, Jonathan Parker and Longmore LJJ.: 27 May 2004
INSURANCE: GOODS IN WAREHOUSE: LOSS BY FIRE: BAILEE: BASIS OF INDEMNITY: WHETHER FULL VALUE OF GOODS OR AMOUNT OF BAILEE’S RESPONSIBILITY FOR THE GOODS, IF ANY

Ramco (UK) Ltd and others v International Insurance Company of Hannover Ltd and another
English High Court: Andrew Smith J.: 15 October 2003
INSURANCE: GOODS IN WAREHOUSE: BAILEE: WHETHER BASIS OF INDEMNITY FULL VALUE OF GOODS OR AMOUNT OF BAILEE’S RESPONSIBILITY FOR THE GOODS

Gibbs & Another v Mercantile Mutual Insurance
High Court of Australia; Gleeson CJ, McHugh, Kirby, Hayne & Callinan JJ; [2003] HCA 39
Insurance: Contracts : Insurance cover against liability to third parties arising from use of marine pleasure craft for commercial para-flying: Where para-flying to be conducted in estuarine waters: Whether policy a contract to which Marine Insurance Act 1909 (Cth) applied: Whether policy a contract of marine insurance  

Frans Maas (UK) v Sun Alliance and London Insurance Plc
English Commercial Court: David Steel, J.: 22 July 2003
INSURANCE POLICY: RELEASE OF GOODS WITHOUT PRODUCTION OF BILLS OF LADING: LIABILITY TO THIRD PARTIES: NO CONTRACT BETWEEN INSURED AND CLAIMANTS: POLICY CONDITIONS: COVER WHERE INSURED’S TRADING CONDITIONS "UNENFORCEABLE": MEANING OF "UNENFORCEABLE": INSURED’S FAILURE TO TAKE REASONABLE PRECAUTIONS: LOSS BY INSURED’S WILFUL ACT

Owner of MV ‘X’ v. Hull Underwriter Y
Landgericht Hamburg (Regional Court Hamburg) TranspR 2004, 263; July 10th, 2003 – 409 O 119/02
ADS sections 33.1, 58.1 (General Terms of German Marine Insurance): Grounding of vessel because it sailed with insufficient nautical charts: master as the owner’s representative in the context of hull insurance

QBE Insurance Limited v MGM Plumbing Pty Limited
Supreme Court of Queensland; B W Ambrose J;
[2003] QSC 27; 19 February 2003
INSURANCE: Public Liability: Products liability: Construction of policy: application for declarations: consideration of use of words "occurrence" and "event" in policy: whether single excess payable for series of incidents resulting in damage or excess payable for each incident of damage

Sunport Shipping Limited and Others v Tryg-Baltica and Others; The "Kleovoulos of Rhodes" 
English Court of Appeal: Clarke, Peter Gibson and Scott Baker LJJ.: 24 January 2003 
INSURANCE: TOTAL LOSS BY DETAINMENT: INFRINGEMENT OF CUSTOMS REGULATIONS:WHETHER EXCLUSION LIMITED TO DUTIES LEVIED ON IMPORTS: WHETHER INCLUDES IMPORT/EXPORT OF PROHIBITED GOODS

Sunport Shipping Limited and Others v Atkin and Others; The ‘Kleovoulos of Rhodes’  
English High Court: Cresswell J.: February 2002 
INSURANCE: TOTAL LOSS BY DETAINMENT: INFRINGEMENT OF CUSTOMS REGULATIONS:WHETHER LIMITED TO DUTIES LEVIED ON IMPORTS: WHETHER INCLUDES IMPORT/EXPORT OF PROHIBITED GOODS: REASON FOR DETAINMENT 

Budgett Sugars v Norwich Union Insurance Limited
English Commercial Court: Moore-Bick J.: 15 May 2002
INSURANCE: STANDARD FORM PUBLIC AND PRODUCT LIABILITY POLICY: CONSTRUCTION OF "EVENT" IN POLICY: EVENT DEFINED AS LOSS OF OR DAMAGE TO PROPERTY: THIRD PARTY CLAIMS FOR CONSEQUENTIAL LOSS NOT COVERED

Toomey v Scolaro’s Concrete Constructions Pty Ltd (in liquidation  (No 5)
Australia; Supreme Court of Victoria, Eames J: (2002) 12 ANZ Ins Cas 61-519: 7 March 2002
INSURANCE — PUBLIC LIABILITY POLICY — CONSTRUCTION OF CONTRACT — CLAIMANT A SUBSIDIARY COMPANY AND PROJECT MANAGER FOR PROPERTY DEVELOPMENT BY GROUP — COMPANIES IN GROUP OWN PROPERTY WHICH IS SUBJECT OF DEVELOPMENT — WHETHER COVER "IN CONNECTION WITH THE BUSINESS" IS CONFINED TO COMPANIES IN GROUP OWNING AND OCCUPYING PROPERTIES — EXCLUSION CLAUSE — NO COVER FOR "BREACH OF A DUTY OWED IN A PROFESSIONAL CAPACITY" — WHETHER FINDING OF VICARIOUS LIABILITY INCLUDED FINDING THAT PROJECT MANAGER IN BREACH OF ITS OWN DUTY OF CARE — WHETHER PROJECT MANAGER AND/OR EMPLOYEE ACTING IN A "PROFESSIONAL CAPACITY"

B+B Construction Co Ltd v. Sun Alliance and London Insurance plc
Hong Kong Court of Final Appeal: Judgment given by Sir Anthony Mason NPJ: [2001] HKEC 704: June 2001
INSURANCE: EMPLOYEES COMPENSATION INSURANCE POLICY: INSUREDS: EMPLOYEES IN INSURED’S IMMEDIATE SERVICE: EXCLUSION OF LIABILITY TO EMPLOYEES OF INSURED’S CONTRACTORS: PRINCIPAL CONTRACTOR AND SUB-CONTRACTOR INSURED: WHETHER PRINCIPAL CONTRACTOR INSURED FOR INJURY TO EMPLOYEE OF SUB-CONTRACTOR CAUSED BY NEGLIGENCE OF EMPLOYEE OF PRINCIPAL CONTRACTOR

Jan de Nul (UK) Ltd v Axa Royale Belge SA
English Court of Appeal: Scheimann, Hale and Rix: 20 February 2002

INSURANCE POLICY : LIABILITY TO THIRD PARTIES : CAPITAL DREDGING OPERATIONS: SILTATION: NEGLIGENCE: PRIVATE NUISANCE: PUBLIC NUISANCE: INTERESTS IN LAND: SCOPE OF COVER : CONSTRUCTION OF POLICY : ELIGIBLE CLAIMS: EXTRA CONTRACTUAL:OBLIGATIONS: EXCLUSION CLAUSES: PURE ECONOMIC LOSS

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