1_Case Law - Conditions; Exclusions

1_Case Law - Conditions; Exclusions

1. Conditions

   • Eagle Star v Cresswell 2004
     • Claims control clause in reinsurance contract
       • Not 'C Precendent'
         • Court viewed as CP
   • Aspen Ins v Pectel Ltd 2008
     • Fire in tunnel
       • Late notification ; no cover
   • Cox v Bankside 1995
     • E&O Lloyds syndicate
       • Many members; LOL exhausted
         • Court decides if really CP
         • Court does not like spurious CPs
   • Pioneer Concrete v Nat E Mutual 1985
     • No Prejudice necessary

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
         • In context - No Cover
   • Blackburn Rovers v Avon Ins (2004)
     • Back injury & not abnormal bad back condition
       • Poorly written
         • Covered
   • CA Blackwell v Gerling 2007
     • Inadequate drainage; rain
       • Court held Fortuitous; some negligence; but could not show defective
         • Covered