Case Law - Conditions; Exclusions

Case Law - Conditions; Exclusions

1. Conditions

   • Eagle Star v Cresswell 2004
     • Claims control clause in reinsurance contract
       • Not 'C Precendent'
         • Court viewed as CP
   • Cox v Bankside 1995
     • E&O Lloyds syndicate
       • Many members; LOL exhausted
         • Court decides if really CP
   • Pioneer Concrete v Nat E Mutual 1985
     • No Prejudice necessary
   • Notification
     • Aspen Ins v Pectel Ltd 2008
       • Fire in tunnel
         • Late notification - no cover
     • Kajima - PI policy
       • Building defects notified; subsequent other defects discovered
         • Only the actually notified events covered
     • Kidson - PI Policy
       • Tax avoidance instruments - not clear what was being notified
     • Laker Vent v Templeton
       • Contractoral disput - likely to give rise to a claim?
         • not a reasonable assumption

2. Exclusions

   • Independent & Interdependent perils
     • Wayne Tank & Pump v EL Ins 1974
       • Defective tank (excluded) Negligent employee (insured)
         • No Cover
     • Miss J J
       • Defective design (uninsured) Storm (Insured)
         • Covered
   • Bankers Ins v P South & MI Gardner (2003)
     • Jet Ski accident
       • Watercraft excluded
         • No Cover
   • Blackburn Rovers v Avon Ins (2004)
     • Back injury & normal bad back
       • Poorly written
         • Covered
   • CA Blackwell v Gerling 2007
     • Inadequate drainage; rain
       • Fortuitous; some negligence; could not show defective
         • Covered