{\rtf1\ansi\ansicpg1252\uc1\deff0\stshfdbch0\stshfloch0\stshfhich0\stshfbi0\deflang1033\deflangfe1033{\fonttbl{\f0\froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f169\froman\fcharset238\fprq2 Times New Roman CE;}
{\f170\froman\fcharset204\fprq2 Times New Roman Cyr;}{\f172\froman\fcharset161\fprq2 Times New Roman Greek;}{\f173\froman\fcharset162\fprq2 Times New Roman Tur;}{\f174\froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\f175\froman\fcharset178\fprq2 Times New Roman (Arabic);}{\f176\froman\fcharset186\fprq2 Times New Roman Baltic;}{\f177\froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;
\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;
\red128\green128\blue128;\red192\green192\blue192;}{\stylesheet{\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext0 Normal;}{
\s1\qj \li0\ri0\keepn\widctlpar\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext0 heading 1;}{
\s2\qj \li0\ri0\keepn\widctlpar\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin0\itap0 \b\fs24\ul\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext0 heading 2;}{
\s3\qj \li6480\ri0\keepn\widctlpar\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin6480\itap0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext0 heading 3;}{\*\cs10 \additive \ssemihidden Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\trcbpat1\trcfpat1\tscellwidthfts0\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \fs20\lang1024\langfe1024\cgrid\langnp1024\langfenp1024 \snext11 \ssemihidden Normal Table;}{\s15\qj \li0\ri0\sl360\slmult1
\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext15 Body Text;}{\s16\qj \li720\ri0\sb240\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext16 Body Text 2;}{\s17\qj \fi720\li0\ri0\sl360\slmult1\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon0 \snext17 Body Text Indent 2;}{\s18\ql \li0\ri0\widctlpar\tqc\tx4320\tqr\tx8640\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext18 header;}{\*\cs19 \additive 
\sbasedon10 page number;}}{\*\listtable{\list\listtemplateid-1240932742\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li2160
\jclisttab\tx2160\lin2160 }{\listname ;}\listid3552171}{\list\listtemplateid1705924218\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat11\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\b\fbias0 
\fi-720\li720\jclisttab\tx720\lin720 }{\listname ;}\listid4870030}{\list\listtemplateid1480509690\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}
\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid158930692}{\list\listtemplateid958009668\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid211311852}{\list\listtemplateid-1546893940\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat46\levelspace0
\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listname ;}\listid226038866}{\list\listtemplateid-1952690312\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-360\li720\jclisttab\tx720\lin720 }{\listname ;}\listid236717084}{\list\listtemplateid-1935260336\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0
\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid284505222}{\list\listtemplateid-954704732\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\b\fbias0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listname ;}\listid316306361}{\list\listtemplateid-1253415710\listsimple{\listlevel\levelnfc2\levelnfcn2
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li2880\jclisttab\tx2880\lin2880 }{\listname ;}\listid367413057}{\list\listtemplateid-1303365820\listsimple{\listlevel
\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid381948533}{\list\listtemplateid1795875382\listsimple
{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li2880\jclisttab\tx2880\lin2880 }{\listname ;}\listid426389518}
{\list\listtemplateid-444295082\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname 
;}\listid453911750}{\list\listtemplateid-1039490644\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat4\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\b\fbias0 \fi-360\li360\jclisttab\tx360\lin360 }
{\listname ;}\listid750157457}{\list\listtemplateid1775910180\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat17\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li1440
\jclisttab\tx1440\lin1440 }{\listname ;}\listid770126415}{\list\listtemplateid-453242294\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 
\fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid784470366}{\list\listtemplateid-1370295980\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers
\'02;}\ulnone\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid809440278}{\list\listtemplateid-1661449552\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid912468158}{\list\listtemplateid-512829702\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat2\levelspace0
\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listname ;}\listid913851715}{\list\listtemplateid864332980\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid1053894191}{\list\listtemplateid-732142476\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0
\levelstartat8\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\b\fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listname ;}\listid1069576215}{\list\listtemplateid1554520444\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid1075516361}{\list\listtemplateid-1448826330\listsimple{\listlevel\levelnfc3\levelnfcn3
\leveljc0\leveljcn0\levelfollow0\levelstartat17\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid1132209025}{\list\listtemplateid-634326916\listsimple{\listlevel
\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid1161772208}{\list\listtemplateid1491917524
\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listname ;}\listid1189953741}
{\list\listtemplateid-1071089370\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname 
;}\listid1209032815}{\list\listtemplateid-1076884792\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat5\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-360\li360\jclisttab\tx360\lin360 }
{\listname ;}\listid1212228759}{\list\listtemplateid-1895951354\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440
\jclisttab\tx1440\lin1440 }{\listname ;}\listid1268346732}{\list\listtemplateid2107937622\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 
\fi-720\li2880\jclisttab\tx2880\lin2880 }{\listname ;}\listid1291740154}{\list\listtemplateid339527376\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat9\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers
\'02;}\fbias0 \fi-360\li1800\jclisttab\tx1800\lin1800 }{\listname ;}\listid1298416460}{\list\listtemplateid1725349818\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat7\levelspace0\levelindent0{\leveltext
\'03(\'00);}{\levelnumbers\'02;}\b\fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listname ;}\listid1412390872}{\list\listtemplateid398100890\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat3\levelspace0\levelindent0
{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listname ;}\listid1457681315}{\list\listtemplateid224572052\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid1496996132}{\list\listtemplateid1774761092\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0
\levelstartat17\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listname ;}\listid1561282762}{\list\listtemplateid-231210308\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0
\levelfollow0\levelstartat3\levelspace0\levelindent0{\leveltext\'00;}{\levelnumbers;}\fbias0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listname ;}\listid1622031303}{\list\listtemplateid1033932580\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0
\leveljcn0\levelfollow0\levelstartat9\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-360\li1800\jclisttab\tx1800\lin1800 }{\listname ;}\listid1624573322}{\list\listtemplateid-2089911192\listsimple{\listlevel\levelnfc0
\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat11\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listname ;}\listid1716006419}{\list\listtemplateid1552201054\listsimple{\listlevel
\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid1759982112}{\list\listtemplateid1944891378
\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat17\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-360\li1080\jclisttab\tx1080\lin1080 }{\listname ;}\listid1793282988}
{\list\listtemplateid-629538394\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname 
;}\listid1803300942}{\list\listtemplateid895257094\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\ulnone\fbias0 \fi-360\li2160
\jclisttab\tx2160\lin2160 }{\listname ;}\listid1861235225}{\list\listtemplateid846760774\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 
\fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid1876312872}{\list\listtemplateid369512324\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers
\'01;}\fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listname ;}\listid1956788347}{\list\listtemplateid1686568550\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat17\levelspace0\levelindent0{\leveltext
\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid1981224535}{\list\listtemplateid80410264\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid1998268421}{\list\listtemplateid607170108\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid2014650630}{\list\listtemplateid160589076\listsimple{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid2017491285}{\list\listtemplateid-2095143922\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0
\levelstartat25\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-420\li1140\jclisttab\tx1140\lin1140 }{\listname ;}\listid2049062626}{\list\listtemplateid1541554366\listsimple{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-720\li2160\jclisttab\tx2160\lin2160 }{\listname ;}\listid2058578228}{\list\listtemplateid1527003290\listsimple{\listlevel\levelnfc4\levelnfcn4
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03(\'00);}{\levelnumbers\'02;}\fbias0 \fi-630\li1350\jclisttab\tx1350\lin1350 }{\listname ;}\listid2064329294}{\list\listtemplateid-387401914\listsimple{\listlevel
\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid2066174046}{\list\listtemplateid1688797136
\listsimple{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\fbias0 \fi-720\li1440\jclisttab\tx1440\lin1440 }{\listname ;}\listid2109541460}}
{\*\listoverridetable{\listoverride\listid1861235225\listoverridecount0\ls1}{\listoverride\listid1496996132\listoverridecount0\ls2}{\listoverride\listid912468158\listoverridecount0\ls3}{\listoverride\listid1803300942\listoverridecount0\ls4}
{\listoverride\listid1053894191\listoverridecount0\ls5}{\listoverride\listid3552171\listoverridecount0\ls6}{\listoverride\listid1268346732\listoverridecount0\ls7}{\listoverride\listid1298416460\listoverridecount0\ls8}{\listoverride\listid1759982112
\listoverridecount0\ls9}{\listoverride\listid1209032815\listoverridecount0\ls10}{\listoverride\listid211311852\listoverridecount0\ls11}{\listoverride\listid1624573322\listoverridecount0\ls12}{\listoverride\listid2058578228\listoverridecount0\ls13}
{\listoverride\listid1956788347\listoverridecount0\ls14}{\listoverride\listid2014650630\listoverridecount0\ls15}{\listoverride\listid1716006419\listoverridecount0\ls16}{\listoverride\listid453911750\listoverridecount0\ls17}{\listoverride\listid1075516361
\listoverridecount0\ls18}{\listoverride\listid158930692\listoverridecount0\ls19}{\listoverride\listid1622031303\listoverridecount0\ls20}{\listoverride\listid426389518\listoverridecount0\ls21}{\listoverride\listid1998268421\listoverridecount0\ls22}
{\listoverride\listid2017491285\listoverridecount0\ls23}{\listoverride\listid367413057\listoverridecount0\ls24}{\listoverride\listid1291740154\listoverridecount0\ls25}{\listoverride\listid1457681315\listoverridecount0\ls26}{\listoverride\listid809440278
\listoverridecount0\ls27}{\listoverride\listid1212228759\listoverridecount0\ls28}{\listoverride\listid236717084\listoverridecount0\ls29}{\listoverride\listid316306361\listoverridecount0\ls30}{\listoverride\listid750157457\listoverridecount0\ls31}
{\listoverride\listid1981224535\listoverridecount0\ls32}{\listoverride\listid381948533\listoverridecount0\ls33}{\listoverride\listid1561282762\listoverridecount0\ls34}{\listoverride\listid1793282988\listoverridecount0\ls35}{\listoverride\listid1189953741
\listoverridecount0\ls36}{\listoverride\listid2066174046\listoverridecount0\ls37}{\listoverride\listid1161772208\listoverridecount0\ls38}{\listoverride\listid1132209025\listoverridecount0\ls39}{\listoverride\listid2109541460\listoverridecount0\ls40}
{\listoverride\listid770126415\listoverridecount0\ls41}{\listoverride\listid1069576215\listoverridecount0\ls42}{\listoverride\listid284505222\listoverridecount0\ls43}{\listoverride\listid913851715\listoverridecount0\ls44}{\listoverride\listid2064329294
\listoverridecount0\ls45}{\listoverride\listid2049062626\listoverridecount0\ls46}{\listoverride\listid226038866\listoverridecount0\ls47}{\listoverride\listid1412390872\listoverridecount0\ls48}{\listoverride\listid1876312872\listoverridecount0\ls49}
{\listoverride\listid784470366\listoverridecount0\ls50}{\listoverride\listid4870030\listoverridecount0\ls51}}{\*\rsidtbl \rsid863982\rsid991575\rsid2758593\rsid8326850\rsid12472800\rsid15100095}{\*\generator Microsoft Word 10.0.6764;}{\info
{\title IN THE HIGH COURT OF FIJI}{\author Gurmeet}{\operator blake_r}{\creatim\yr2005\mo12\dy13\hr8\min40}{\revtim\yr2005\mo12\dy13\hr8\min40}{\printim\yr2004\mo5\dy18\hr15\min33}{\version2}{\edmins0}{\nofpages30}{\nofwords9356}{\nofchars53335}
{\*\company Judicial Department}{\nofcharsws62566}{\vern16391}}\margl2160\margr2160 \widowctrl\ftnbj\aenddoc\noxlattoyen\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dghspace180\dgvspace180\dghorigin1701\dgvorigin1984\dghshow0\dgvshow0
\jexpand\viewkind4\viewscale100\pgbrdrhead\pgbrdrfoot\nolnhtadjtbl\rsidroot15100095 \fet0\sectd \linex0\endnhere\titlepg\sectdefaultcl\sftnbj {\header \pard\plain \s18\ql \li0\ri0\widctlpar
\tqc\tx4320\tqr\tx8640\pvpara\phmrg\posxc\posy0\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\cs19\insrsid8326850 PAGE  }}{\fldrslt {
\cs19\lang1024\langfe1024\noproof\insrsid8326850 30}}}{\cs19\insrsid8326850 
\par }\pard \s18\ql \li0\ri0\widctlpar\tqc\tx4320\tqr\tx8640\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\insrsid8326850 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 IN THE HIGH COURT OF FIJI
\par AT SUVA
\par CIVIL JURISDICTION
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 CIVIL ACTION NO. }{\lang2057\langfe1033\langnp2057\insrsid15100095 HBC0}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 355 OF 2001
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Between:
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 TAPPOO HOLDINGS LIMITED
\par TAPPOO LIMITED
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Plaintiffs
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 and
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 ROBERT ARTHUR STUCHBERY
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Defendants
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par Mr. B.C. Patel for the Plaintiffs
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. M. Daubney with Ms. S. Sorby for the Defendants
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 JUDGMENT
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 By }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 writ of summons}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  dated }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 14 August 2001}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Tappoo Holdings Limited}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Tappoo Limited }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (hereafter referred to as the \lquote }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 plaintiffs}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote ) sued }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Robert Arthur Stuchbery }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (sued on his own behalf and on behalf of the other insurers subscribing to Lloyds insurance }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 policy number 509/PL008499,}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  hereafter referred to as the \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 defendants}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote ).}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The defenda}{\lang2057\langfe1033\langnp2057\insrsid12472800 nts are underwriters at Lloyds.}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par This has been a lengthy case with long submissions with volumes of authorities having been cited.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 No doubt both the o
ral and written submissions from both sides have been very helpful.
\par 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid12472800 A.\tab }{\b\lang2057\langfe1033\langnp2057\insrsid12472800\charrsid12472800 Pleadings}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid12472800\charrsid12472800 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid12472800 (i)\tab }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Statement of Claim
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par The plaintiffs\rquote  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Statement of Claim }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
as stated below sets out the background facts and the loss and damage they allegedly suffered on the crucial day, namely, }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 19 May 2000:}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par By a contract of insurance comprised in Lloyds policy of insurance number 509/PL008499 (the \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Policy}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94
) the Defendants in consideration of a premium of FJ$115,000.00 paid by or on behalf of the First and Second Plaintiffs agreed to insu
re, inter alia, the First and Second Plaintiffs against loss or damage to their respective property for a period of one year from 9 July 1999 to 9 July 2000.
\par 
\par Under the Policy the Defendants severally subscribed, inter alia, in respect of the risk of the following losses \endash 
\par 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls2\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 the premises of the First Plaintiff at the corner of Usher and Thomson Streets, Suva (\'93
the Suva Premises\'94) for the sum of FJ$3,420,000.00;
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls2\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 contents of various premises including the Suva premises for the sum of FJ$2,500,000.00;

\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls2\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 stock, 
including stock of the Second Plaintiff on the Suva premises, for the sum of FJ$9,000,000.00;
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls2\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls2\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
business interruption for the sum of FJ$250,000.00 for the rental value of the Suva premises and loss of gross profit for the sum of FJ$3,500,000.00.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par On }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 19 May 2000}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
, during the currency of the Policy, the First Plaintiff and the Second Plaintiff suffered the following respective losses and damage \endash 
\par 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls3\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The Suva premises belonging to the First Plaintiff were broken into and damaged;
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Particulars of Damage
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s15 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \s15\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls4\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin2160\itap0\pararsid12472800 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Full detai
ls have previously been supplied to Defendants\rquote  loss adjuster. 
\par }\pard\plain \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \ql \fi-720\li2160\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (ii)\tab Cost of repairs FJ$59,998.00
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls3\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Contents of the Suva premises belonging to the Second Plaintiff were stolen, damaged or destroyed;
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Particulars of Contents Stolen
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls5\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Goods held as bailees fo
r customers, full particulars of which have already been provided to the Defendants\rquote  loss adjuster.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls5\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Replacement cost of contents stolen is FJ$27,649.00.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid12472800 Particulars of Contents D}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
amaged or Destroyed
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Full particulars have already been provided to the Defendants\rquote  loss adjuster.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Replacement cost of contents destroyed or damaged beyond economic repair is FJ$134,747.00.

\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Cost of repair of other damaged contents FJ$43,158.00.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s16 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard\plain \s16\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls3\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1440\itap0\pararsid12472800 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Stock belonging to the Second Plaintiff and situate on the Suva premises was stolen, damaged or destroyed.}{\lang2057\langfe1033\langnp2057\insrsid863982 
\par }\pard \s16\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid12472800\charrsid15100095 
\par }\pard\plain \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Particulars of Stock Stolen

\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls12\pnrnot0\pnlcltr\pnstart9\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Full particulars have already been provided to the Defendants\rquote  loss adjuster.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Replacement cost of stock stolen is FJ$2,452,063.00
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls3\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Loss of rental by the First Plaintiff in respect of the Suva premises;
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Particulars of Loss of Rental
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls9\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The Suva premises were leased by the First Plaintiff to the second Plaintiff for $20,000 per month and the said premises became untenantable for 2.4 months after 19 May 2000.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls9\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Loss of rental is FJ$50,000.00.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \ql \fi-720\li1440\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (}{\lang2057\langfe1033\langnp2057\insrsid12472800 e}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 )\tab Loss of gross profit by the Second Plaintiff due to the interruption of the Second Plaintiff\rquote s business at the Suva premises.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 Particulars of Loss of Gross Profit
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls13\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls13\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The business of the Second Plaintiff hitherto conducted on the Suva premises was brought to a complete 
halt on 19 May 2000 when the premises were severely damaged and fittings, fixtures, equipment and stock thereon were either stolen, destroyed or severely damaged.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Trading could not be resumed until 4 August 2000 when substantially the damage was repaired and/or destroyed or stolen items were replaced.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \ql \fi-720\li2160\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (ii)\tab The loss claimed under this head is FJ$750,000.00.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard\plain \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The plaintiffs allege that in breach of the contract of insurance in the Policy the defendants have failed to pay the plaintiffs the amounts of their respective losses referred to hereabove or any part of those losses.
\par 
\par The plaintiffs further claim }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 interest}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 on the said sums or damages from 19 May 2000 until judgment herein or sooner payment at such rate or rates as to the Court seems fit.
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The Plaintiffs\rquote  claims
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The plaintiffs\rquote  claims are as follows:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 First plaintiff}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 

\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 FJ$109,998.00}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  or, alternatively damages.
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Interest.
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Costs on an indemnity basis.
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Such other relief as to the Court seems fit.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li720\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Second plaintiff
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 5.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 FJ$3,407,617.00}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  or, alternatively damages.

\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 6.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Interest.
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 7.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Costs on an indemnity basis.
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 8.\tab}}\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls11\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls11\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Such other relief as to the Court seems fit.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (ii)\tab Defendants\rquote  Amended Statement of Defence
\par 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The defendants deny some and admit certain paragraphs of the Statement of Claim.
\par 
\par By way of Defence the defendants have, inter alia, in their Amended Statement of Defence in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 paragraphs 11 and 12}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 stated their defence as follows:
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 11.\tab}}\pard \s17\ql \li720\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls16\pnrnot0\pndec\pnstart11\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin720\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Further:}{\lang2057\langfe1033\langnp2057\insrsid863982 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid12472800\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Exclusion Clause 1(a) of the Policy provided:}{
\lang2057\langfe1033\langnp2057\insrsid863982 
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid12472800\charrsid15100095 
\par }\pard \s17\ql \fi-33\li2160\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93
This policy does not insure any loss or damage directly or indirectly caused by or resulting fr
om war, invasion, act of foreign enemy, warlike operations (whether war is declared or not), civil war mutiny, rebellion, revolution, insurrection, military or usurped power.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 On the morning of 19 May 2000, one George Speight, together with a group of arm
ed supporters (some of whom were serving members of the Fiji Military Forces) stormed the Parliament House of Fiji in Suva and took the then Prime Minister, Mahendra Chaudhry, and about forty cabinet members, parliamentarians, and other persons, hostage, 
and asserted \'93ownership\'94, \'93control\'94 and \'93executive power of Fiji\'94;
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
By so acting, Speight and his armed supporters committed acts of collective insubordination, collective defiance, collective disregard of the lawful authority of the country and/or collective refusal to obey the authority of the country.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Further, or alternatively, the conduct of Speight and his armed supporters constituted organised resistance of the lawful government of the country for the purpose of supplanting the lawful government and/o
r depriving the lawful government of its authority.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
By his conduct aforesaid, George Speight expressed clear intentions and declarations of sovereignty over Fiji.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (f)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 On the morning of 19 May 2000, an organised protest march of Taukei Movement Supporters too
k place in the Suva Central Business District;
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (g)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The crowd of marchers, on hearing of the actions of George Speight and his armed supporters, erupted into rioting;
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (h)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The rioters, estimated as numbering between 1,000 and 2,000 ran through the Suva CBD, broke into a large number of buildings, looted stock and fittings, and in some instances set fire to buildings;
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The majority of the buildings affected by the rioters were owned or operated by members of the Fiji Indian community;
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (j)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 On 19 May 2000, as a direct re
sult of the actions of George Speight and his armed supporters, the President promulgated public emergency regulations pursuant to s.2 of the Public Safety Act, declaring the existence of a state of public emergency;
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (k)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls17\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls17\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 In the premises, if the Plaintiffs suf
fered the losses and damage in the circumstances alleged in paragraph 9 of the Statement of Claim (all of which is not admitted), such losses or damages fell within the terms of Exclusion clause 1(a) of the Policy in that they were caused, directly or ind
irectly, by resulting from acts of mutiny, rebellion, revolution and/or insurrection, and accordingly are not covered by the Policy.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 12.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls16\pnrnot0\pndec\pnstart11\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Save as aforesaid, the Defendants deny each and every allegation in the Statement of Claim.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (iii)\tab Amended Reply to Defence
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The plaintiffs in their }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Amended Reply to Defence}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 stated as follows setting out the whole of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 clause 1(a)}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 of the Policy and saying that the exclusion 1(a) of the Policy does not apply:
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls18\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls18\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The Plaintiffs join issue with the Defendants on paragraph 9 of their Defence.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls18\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls18\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 As to paragraphs 11(a) to (c) inclusive of the Statement of Defence the Plaintiffs say:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \s17\ql \fi-720\li2138\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls19\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls19\adjustright\rin0\lin2138\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It will refer to the whole of clause 1(a) of the Policy for its true meaning and effect.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 That clause in its entirety reads:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \fi-22\li2138\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2138\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
This policy does not insure any
 loss or damage directly or indirectly caused by or resulting from war, invasion, act of foreign enemy, warlike operations (whether war is declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 This exclusion d
oes not apply to loss or damage caused by acts of terrorism or sabotage, providing the acts are not committed in time of war by any agent acting in connection with any operation of armed forces of a government or sovereign power\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \fi-720\li2138\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2138\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (ii)\tab 8 persons including 
George Speight and 2 members of the CRW Unit stormed Parliament on 19 May 2000 and took 40 members of Parliament and others hostage.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \fi-720\li2138\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2138\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (iii)}{\lang2057\langfe1033\langnp2057\insrsid12472800 \tab }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The President did not promulgate public emergency}{\lang2057\langfe1033\langnp2057\insrsid12472800  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
regulations pursuant to Section 2 of the Public Safety Act declaring the existence of a state of public emergency on 19 May 200 as alleged. 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \fi-720\li2138\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2138\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (iv)}{\lang2057\langfe1033\langnp2057\insrsid12472800 \tab }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 At the time of the loss and damage to the Plaintiffs\rquote  insured}{\lang2057\langfe1033\langnp2057\insrsid12472800  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
property on 19 May 2000:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s17\ql \fi-720\li2858\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls21\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin2858\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 the Constitution of Fiji was still in force.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s17\ql \fi-720\li2858\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls21\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin2858\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Ratu Sir K K T Mara was the President of 
Fiji exercising executive and sovereign powers under the Constitution.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \s17\ql \fi-720\li2858\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls21\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin2858\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The Fiji Military Forces and the Fiji Police Force were performing their lawful duties.

\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \s17\ql \fi-720\li2858\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls21\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin2858\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The judiciary was functioning.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (v)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 George Speight and his armed supporters and/or the persons who 
looted and damaged the Plaintiffs\rquote  shop on 19 May 2000, used violence for the purpose of putting the public or a section of the public in fear and/or for political ends and that amounted to acts of terrorism.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls18\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls18\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Consequently exclusion 1(a) of the Policy does not apply.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls18\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls18\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
If the loss or damage to the Plaintiffs was caused indirectly by or resulted from any of the excluded events then the Plaintiffs will seek relief under }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 s.25}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Insurance Law Reform Act 1996}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 A.\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls14\pnrnot0\pnucltr\pnstart1\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls14\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Issues for determination
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The agreed issues on liability for Court\rquote s determination are as stated below (as in the Pre-trial Conference Minutes):
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls22\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Was there a mutiny or a rebellion or a revolution or an insurrection, in terms of exclusion 1(a) of the Policy, on 19 May 2000?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls22\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If so, was the Plaintiffs\rquote  l
oss or damage directly or indirectly caused by or result from any one or more of such events?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls22\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Were the actions of George Speight and his men who stormed Parliament on 19 May 2000 or of the persons who looted and damaged the Plaintiffs shop that day acts of terrorism in terms of exclusion 1(a) of the Policy?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls22\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
If so, can the Defendants rely on exclusion 1(a) of the Policy to deny the Plaintiffs claim?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls22\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
If the loss or damage was indirectly caused by or result from any of the excluded events, are the Plaintiffs entitled to relief under s.25 of the Insurance Law Reform Act 1996?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (6)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls22\pnrnot0\pndec\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Should the Court determine issues in relation to interest and costs at the trial on liability or at the subsequent trial on quantum?}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
If at the trial on liability, then:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls23\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls23\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If the Defendan
ts are held liable under the Policy, are they also liable to pay to the Plaintiffs interest on the judgment sum?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls23\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls23\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If so,
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \s17\ql \fi-720\li2880\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls24\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin2880\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 at what rate?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \s17\ql \fi-720\li2880\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls24\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin2880\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 For what period?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \s17\ql \fi-720\li2880\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls24\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin2880\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Should the interest be calculated on a compound or simple basis?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls23\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls23\adjustright\rin0\lin2160\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Should the costs payable to the successful party be:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \s17\ql \fi-720\li2880\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls25\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls25\adjustright\rin0\lin2880\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 an indemnity costs?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \s17\ql \fi-720\li2880\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls25\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls25\adjustright\rin0\lin2880\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Costs in excess of the scale, and if so, to what extent?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \s17\ql \fi-720\li2880\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls25\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls25\adjustright\rin0\lin2880\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Costs on any other basis, and if so, on what basis?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid12472800 (B)}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \tab Quantum of Claim}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par The quantum of the Plaintiffs\rquote  claim is to be assessed by the Court (if not agreed or resolved by the parties) after the issue of liability is decided.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (C)\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls26\pnrnot0\pnucltr\pnstart3\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Burden of Proof
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The burden of proof is on the defendants to prove on a balance of probabilities that the following two limbs of the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
exclusion clause (1)(a)}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  are satisfied:
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls45\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls45\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 that there was a mutiny, rebellion, revolution or insurrection in}{
\lang2057\langfe1033\langnp2057\insrsid12472800  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Parliament and/or in Suva city on 19 May 2000; }{\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 and
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls45\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls45\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 that the Plaintiffs\rquote  loss or damage was directly or indirectly caused}{
\lang2057\langfe1033\langnp2057\insrsid12472800  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 by or result from one or more of those occurrences.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par In this case as Mr. Patel submits and I agree, it means that the defendants must prove that at the time the plaintiffs\rquote  shop was looted at 12.49 pm what happened in Parliament and/or in the City of Suva on 19 May 2000 was one or more of }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny, revolution, rebellion, or insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 And once the defendants get over that hurdle then it is for them to prove }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 causal connection}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  between the occurred excluded events }{\lang2057\langfe1033\langnp2057\insrsid12472800 and the loss to the plaintiffs.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par Therefore, unless these two requirements are proved, the defendants will fail in their defence.
\par 
\par It must also be remembered, and again as submitted by Mr. Patel, that the}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
exclusion cannot also apply if the loss was caused by rioting and looting or civil commotion or acts of terrorism because these perils are insured against in the \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 all risk policy}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 and not excluded by Clause 1(a).}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Cover for terrorism is an exception to the exclusion.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 D.\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls31\pnrnot0\pnucltr\pnb1\pnstart4\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Standard of Proof}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par I shall now deal with the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 standard of proof}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  required in a case of this nature.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par As for \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 causation}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote , this must be decided in the light of all the c
ircumstances and probabilities of the particular case (}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Chappell v Hart}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1998] 156 ALR 517 at 533 }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Gummow J}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 ).
\par 
\par The allegation that the excluded events of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
revolution}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 rebellion}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  or }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  occurred in Suva on 19 May 2000 are }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
serious allegations}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Therefore, }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 strong evidence}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  is required to prove even on a balance of probabilities.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The following passage from the judgment of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Lord Nicholls}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in 
}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 re H}{\b\lang2057\langfe1033\langnp2057\insrsid12472800  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (Minors)}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1996] A.C}{\lang2057\langfe1033\langnp2057\insrsid12472800 .}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  563 at 586 is apt:
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93The balance of probability standard means that a court is satisfie
d an event occurred if the court considers that, on the evidence, the occurrence of the event was more likely than not.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
When assessing the probabilities the court will have in mind as a factor, to whatever extent is appropriate in the particular case, that
 the more serious the allegation the less likely it is that the event occurred and, hence, the stronger should be the evidence before the court concludes that the allegation is established on the balance of probability.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Lord Nicholls}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  goes on to say:
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Alth
ough the result is much the same, this does not mean that where a serious allegation is in issue the standard of proof required is higher.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It means only that the inherent probability or improbability of an event is itself a matter to be taken into account 
when weighing the probabilities and deciding whether, on balance, the event occurred.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The more improbable the event, the stronger must be the evidence that it did occur before, on the balance of probability, its occurrence will be established.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Ungoed-Thomas J. expressed this neatly in re Dellow\rquote s Will Trusts [1964] 1 W.L.R. 451, 455: \lquote 
The more serious the allegation the more cogent is the evidence required to overcome the unlikelihood of what is alleged and thus to prove it\rquote  \'85\'85\'85\'85\'85.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 This approach also provides a means by which the balance of probability standard can accommodate one\rquote 
s instinctive feeling that even in civil proceedings a court should be more sure before finding serious allegations proved than when deciding less serious or trivial matters. 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid15100095 \hich\af0\dbch\af0\loch\f0 E.\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls28\pnrnot0\pnucltr\pnstart5\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls28\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Defendants\rquote  submission
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Daubney }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 for the defendants submitted separately on the }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 issues}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  as spelt out in the Minutes of Pre-Trial Conference as follows: 
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls30\pnrnot0\pnlcltr\pnb1\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls30\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Was there a mutiny or a rebellion or a revolution or an insurrection, in terms of exclusion 1(a) of the Policy, on 19 May 2000?}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par Mr. Daubney referred the Court to Parliamentary Hansard of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 19 May 2000}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 where it is stated, inter alia, as follows as to what happened at }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 10.45 am}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in Parliament:
\par 
\par The Parliamentary Hansard of 19 May 2000 (Ex. D1, document 5) provides graphic evidence of the events which occurred at the Parliamentary Complex on that day.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It records that at 10.45 a.m., several heavily armed strangers, one wearing a balaclava, stormed into the Parliament Chamber, kicked and jumped over the Bar of Parliament, shouting \'93
Sit down, sit still and remain clam\'94.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 In response to the Honourable Speaker asking \'93What is this?\'94 the person identified as \'93
Stranger No 1\'94 (undoubtedly George Speight) said \'93This is a civil Coup.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Hold tight, nobody move.\'94}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He is further recorded as saying, \'93
This is a civil Coup by the people, the taukei people and we ask you to please retire to your Chamber right now, Mr. Speaker.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Please co-operate so nobody will get hurt.\'94
\par 
\par The House was unceremoniously adjourned at }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 10.55 a.m.
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Daubney refers to incidents at Parliament when }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Zahir Khan}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , Assistant Commissioner Operations arrived at Parliament House shortly before 11 a.m. and left about 1.00 p.m. and was back at Central Police Station at 1.20 p.m.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Imraz Iqbal Ali}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , then a reporter 
with Fiji TV testified that a gunman was within the Parliamentary compound who preve}{\lang2057\langfe1033\langnp2057\insrsid12472800 nted the members from entering.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par Counsel submitted that the defendants do not contend that the actions of Speight and his followers constituted }{\lang2057\langfe1033\langnp2057\insrsid12472800 invasion, act of foreign ene}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
my, war-like operations, civil war, or military or usurped power\rquote , but he submits that the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 conduct of Speight}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 and his supporters }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 are caught within the meaning of one or more of}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  the words \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94, \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 rebellion}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94, \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 revolution}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 and \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94.
\par 
\par Mr. Daubney talks of events at Parliament Compound and wants the Court to find that there was a }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 rebellion}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 revolution}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  or }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
, in terms of exclusion 1(a) of the Policy on 19 May 2000.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls30\pnrnot0\pnlcltr\pnb1\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls30\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Was the Plaintiffs\rquote  loss or damage directly or indirectly caused by or didn
\rquote t result from any one or more of such events?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par Counsel referred to the time at which the March assembled and proceeded to Government House.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Assembly was at }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 8.30 a.m.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and confirmed by various witnesses who saw the March.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 They were }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Daniel Whippy, Imraz Ali, Jahir Khan and Francis Herman}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 They said the March proceeded in a peaceful and orderly manner.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 There was no violence or looting.
\par 
\par Then at }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 10.45 a.m.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  there was Coup at Parliamentary Complex and Mr. Herman made live broadcast of it within 5 or 10 mi
nutes of the Coup.
\par 
\par At }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 10.50 a.m.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  President of Fiji, through Mr. Brown refused to receive the Marchers\rquote 
 Petition at Government House because someone had taken over Parliament.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
They made their way to Parliament House on the way and damaged shops in that area.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
It is to be noted that this area is a long distance away from Tappoo\rquote s building.
\par 
\par Mr. Daubney submitted some 10 to 20 people, a breakaway group of members headed back to the Suva Central Business District (CBD).}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Mr. Herman saw this from Fiji Broadcasting Commission building.
\par 
\par It is agreed that the looting of plaintiffs\rquote  shop took place about }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 12.49 p.m.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 which is approximately two hours after the Coup.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 According to witnesses who testified, looting did not take place until after the coup.

\par 
\par It is Mr. Daubney\rquote s submission that the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 only possible inference}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  that can be drawn is that the happening of the 
\lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Coup}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  was the \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 catalyst}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  for the looting, or gave rise to the situation in which the looting could occur.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He says that the plaintiffs have not led any evidence to suggest that there was any other catalyst for the looting.
\par 
\par Counsel submits that all that evidence as stated hereabove is sufficient, under the terms of exclusion 1(a), for the plaintiffs\rquote  loss or damage to have been }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 indirectly}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  caused by or resulting from the actions of Speight and his supporters.
\par 
\par He referred the Court to the Court of Appeal case of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Grell-Taurel Ltd v Caribbean Home Insurance Co. Ltd. & Others}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 [2002] Lloyds Rep. IR 655 (Court of Appeal Trinidad) where it was held that the loss suffered by the plaintiff was as a result of riot and whether the loss occurred was \'93
occasioned by or through or in consequence, directly or indirectly, of insurrection\'94.
\par 
\par Counsel said that }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Grell-Taurel}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  makes it clear that it makes no difference whether or not the i
nsurgents took part in the looting.
\par 
\par Mr. Daubney also stated that }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Warner J.A. }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Grell-Taurel
}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  analysed the question of the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 causal link}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 between the insurrection and the looting by reference to the judgment of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mustill J}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Spinneys }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 case [}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Spinney\rquote s (1948) Ltd v Royal Insurance Co. Ltd}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1980] 1 Lloyd\rquote s Rep 406].}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He also referred the Court to the case of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Pillay v General Insurance Co}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1985] LRC (Comm) 162 of the Supreme Court of Seychelles.
\par 
\par Counsel submits that the Court should find at the very least, that the damage suffered by the plaintiffs when the Suva shop was looted was at least }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 indirectly }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 caused by, or resulted from the Coup perpetrated by Speight and his supporters.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Accordingly, he says, the case prima facie falls within exclusion 1(a) of the Policy, and the defendants are not liable to indemnify t}{\lang2057\langfe1033\langnp2057\insrsid12472800 
he plaintiffs under the Policy.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls30\pnrnot0\pnlcltr\pnb1\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls30\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Were the actions of George Speight and his men who stormed Parliament on 19 May 2000 or of the persons who looted and damaged the plaintiffs\rquote  shop that day }{\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 acts of terrorism}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in terms of exclusion 1(a) of the Policy?}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
If so, can the defendants rely on exclusion 1(a) of the Policy to deny the plaintiffs\rquote  claim?
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 After dealing with what constitutes \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 terrorism}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\rquote  counsel submits that on this issue the plaintiffs have led no evidence to establish that the actions of Speight and his followers comprised \'93acts of terrorism\'94.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 In particular, no evidence has been led to establish that Speight or his supporters committed criminal acts intended or calculated to create a state of terror in the min
ds of particular persons, or a group of persons, or the general public.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Counsel submits that Speight and his supporters acted to overthrow the lawful Government; and }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 committed at least insurrection}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par It is the counsel\rquote s submission that the crowd which ransacked the Plaintiffs\rquote  shop consisted of \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 opportunistic thieves}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  who clearly looted the place for their own personal gain.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
He said that that there is not a shred of evidence in which the Court could base a finding that the conduct of the looters constituted a}{\lang2057\langfe1033\langnp2057\insrsid12472800 n}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  
\lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 act of terrorism}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Counsel submits that the plaintiffs have been at pains to dissociate the looters from Speight and his supporters.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He says that on a proper construction of the exception, the onus was on the plaintiffs to prove that the people who caused the damage, namely, the looters, were committing acts of terrorism.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 This they have failed to do.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He says that the exception does not operate and no case has been established by the plaintiffs to disentitle the defendants from relying on exclusion 1(a).
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls30\pnrnot0\pnlcltr\pnb1\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls30\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
If the loss or damage was indirectly caused by or result from any of the excluded events, are the plaintiffs entitled to relief under s.25 of the Insurance Law Reform Act 1996?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par Counsel submits that }{\b\lang2057\langfe1033\langnp2057\insrsid12472800 s.}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 25}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of the }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Insurance Law Reform Act 1996}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  is \lquote incomprehensible and undecipherable\rquote .}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Quite simply, it is \lquote grammatical nonsense, and is incapable of being assigned any sensible meaning\rquote .
\par 
\par Mr. Daubney said that the \lquote modern approach to statutory construction requires a Court to give effect to the purpose of legis
lation and to avoid the construction of words, phrases or provisions which, taken in isolation, would tend to defeat the purpose\rquote  (vide }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Project Blue Sky Inc. v. Australian Broadcasting Authority}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  (1998) 12 ALR 841, per }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Brennan CJ}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  at 850-851).}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He says that in that case such an approach fails, because the 
\lquote section in question makes no}{\lang2057\langfe1033\langnp2057\insrsid12472800  grammatical sense whatsoever\rquote .}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par The said }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 section 25}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  reads as follows:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 25. Where \endash 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls50\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls50\adjustright\rin0\lin2160\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
the provisions of a contract of insurance the circumstances in which the insurer is bound to i
ndemnify the insured against loss are so defined as to exclude or limit the liability of the insurer to indemnify the insured on the happening of certain events or on the existence of certain circumstances; and 
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s17\ql \fi-720\li2160\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls50\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls50\adjustright\rin0\lin2160\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 in the view of the court or arbitrator dete
rmining the claim of the insured the liability of the insurer has been so defined because of the happening of such events or the existence of such circumstances was in the view of the insurer likely to increase the risk of such loss occurring \endash 

\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 the insure
d shall not be disentitled to be indemnified by the insurer by reason only of such provisions of the contract of insurance if the insured proves on the balance of probability that the loss in respect of which the insured seeks to be indemnified was not ca
used or contributed to by the happening of such events or the existence of such circumstances.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par Counsel said that \lquote in the absence of Court being able to assign any sensible or grammatical meaning to s.25, this claim by plaintiffs fails \lquote in limine\rquote .
\par 
\par Mr. Daubney referred the Court to the New Zealand Court of Appeal case of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 New Zealand Insurance Co. Ltd v. Harris}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 [1990] 1 NZLR 10.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
In that case, the Court held that s.11 contemplates a two step enquiry where the contract of insurance excludes or limits the insurer\rquote s}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 liability on the happening of certain events on the existence of certain circumstances.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He then outlines what these two steps are and concludes by saying that the plaintiffs have led no evidence whatsoever to enable this Court to make a conclusion wit
h respect of either of these steps prescribed by the New Zealand Court of Appeal.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Accordingly, he says, that the plaintiffs have not made out any case for relief under }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 s.25}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of the }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Insurance Law Reform Act 1996}{\lang2057\langfe1033\langnp2057\insrsid12472800 .}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls30\pnrnot0\pnlcltr\pnb1\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls30\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If the defendants are held liable under the 
Policy, are they also liable to pay to the plaintiffs interest on the judgment sum?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The position in regard to }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 interest}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 is stated as follows in Mr. Daubney\rquote s written submission (at p.47)
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 46.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls47\pnrnot0\pndec\pnstart46\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls47\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If the Defendants are held liable under the Policy in this hearing, 
it will then be necessary for there to be a hearing to determine what, if any, of the damages claimed by the Plaintiffs are recoverable under the Policy, and the quantum thereof.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 47.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls47\pnrnot0\pndec\pnstart46\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls47\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If, after such a further hearing, it is determined that there is a sum payab
le by the Defendants to the Plaintiffs under the Policy, then by s.34(1) of the Insurance Law Reform Act, the Defendants will be liable to pay interest in accordance with s.34.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 48.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls47\pnrnot0\pndec\pnstart46\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls47\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Counsel for the Plaintiffs expressly conceded that, for the purposes of this h
earing, the only question to be determined is that which appears in paragraph 6(a) of the Minutes of the Pre-Trial Conference (T 124 line 27)(referred to hereabove).}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 That question is answered in the affirmative.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The subsequent questions, which deal with rate of interest, period of calculation and method of calculation are (presumably) to be dealt with in the trial on quantum.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 F.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \tab Plaintiffs\rquote  submission}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par The learned counsel for the plaintiffs, }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. B.C. Patel}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  referred the Court to the said }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 para 11}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Amended Defence}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par He said that paragraph }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 11(b)}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  to }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 11(e)}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  are stated to support the occurrence of one or more of the excluded events, namely, }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 revolution, rebellion}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  or }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and the allegations in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 11(g) to (i)}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  are stated to support the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 causal link}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 between the excluded event and the plaintiffs\rquote  loss.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He says that there is }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insufficient evidence}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in the allegations }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 11(b) to (e)}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  to support any legal submission to make a finding.
\par 
\par Counsel submitted that the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 transcript of parliamentary proceedings}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 19 May 2000}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  shows that there was an attempted coup; Speight and his group took the Prime Minister and others hostage.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 So the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 position at 12.49pm}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , when the plaintiffs\rquote  shop was looted, was that of armed men having taken hostage.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 There is no evidence of any statement, media or otherwise, issued by Speight and his group of his claims or intentions at 12.49 pm.
\par 
\par Counsel further submits that there is no evidence or insufficient evidence to support a conclusion that one of the excluded events had occurred in Parliament at 12.49 pm on 19 May 2000.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The event that occurred was a }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 criminal act of hostage taking}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
.
\par 
\par He further submits that the allegations in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 11(g) to 11(j)}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  have not been proved.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It is }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 not borne out}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  by the evidence }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 that}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  the }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 marchers were the rioters}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 looters}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
He then refers to the evidence of some of the witnesses who testified in Court.
\par 
\par He says that }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 para 11(g) and (h) }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 have been categorically disproved by the plaintiffs through the evidence of }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Imraz Iqbal Ali}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Jahir Khan}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 James Dutta}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Public Emergency }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (11(j)) }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 was not declared until 7.00 pm on 19 May 2000 (}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Public Emergency Regulations,}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  Legal Notice No. 54 of 2000) which is well after the plaintiffs\rquote  shop was looted.
\par 
\par Counsel says that on the evidence of the various witnesses herein it is clear that the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 marchers were a separate group}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 from those who stormed Parliament and from the rioters and looters at the plaintiffs\rquote  shop.
\par 
\par Counsel says that the rioters and marchers were surprised to learn from }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Joe Brown}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  at }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Government House}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Gate}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of the takeover of Parliament.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
These marchers then rushed to Parliament but remained outside the Parliament Gate and were not allowed to join Speight and his group inside the Parliamentary Complex.}{\lang2057\langfe1033\langnp2057\insrsid863982 
\par }{\lang2057\langfe1033\langnp2057\insrsid12472800\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 G.\tab Consideration and determination of the issues
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par There are certain facts about which there is no dispute.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
first plaintiff}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  is the owner of the building situated at the corner of Thomson and Usher Streets in the city of Suva and the }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 second plaintiff}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  is the owner of the retail business carried on from that building.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The plaintiffs insure
d their building and business with the defendants upon and subject to the terms and conditions contained in Lloyds Policy No. 509/PL0084999 (hereafter referred to as the \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Policy}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94).
\par 
\par The period of insurance under the Policy was from }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 4.00 p.m. on 9 July 1999}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  to }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 4.00 p.m. on 9 July 2000.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The insurance was for material damage to the building and for business interruption.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The limit of liability for the combined material damage and business interruption for the Suva shop was }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 $5,000,000.00}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 subject to the special limits and deductions.
\par 
\par The learned counsel for the plaintiffs, }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. B. C. Patel}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  submits that the }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Policy is an \'93all risks\'94 }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 policy because the wording of the }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 indemnity clause}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  makes no reference therein to \'93Insured Perils\rquote  and because insured perils are neith
er enumerated nor referred to in the Policy.
\par 
\par The relevant }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 exclusion clause}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in the Policy is }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
clause 1(a)}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  which provides:
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \s17\ql \fi-720\li1440\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93(1)\tab 
This Policy does not insure any loss or damage directly or indirectly caused by or resulting from:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }\pard \s17\ql \fi-720\li2160\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid12472800 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (a) \tab war, invasion, act of fo
reign enemy, war-like operations (whether war is declared or not),}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
civil war, mutiny, rebellion, revolution, insurrection, military or usurped power.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
This exclusion does not apply to loss or damage caused by acts of terrorism or sabotage, providing the acts are not committed in time of war by any agent acting in connection with any operation of armed forces of a government or sovereign power.\'94

\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The defendants rely upon the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 exclusion items of mutiny, rebellion, revolution and/or insurrection}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .
\par 
\par As the learned counsel for the defendants }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. M. Daubney}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  says, }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 the primary issue for determination}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in this hearing is whether the defendant insurers are entitled to the benefit of }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Exclusion 1(a)}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in the Policy and are thereby exonerated from liability to indemnify under 
the Policy. Counsel for the defendants submits that if the issue is determined in favour of the defendants then that is the end of the plaintiffs\rquote  claims.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If, however, the Court determines that the defendants\rquote  liability is not excluded by reason of Exclusi
on 1(a) then there will be a need for a separate trial to determine what (if any) amounts the defendants are liable to pay under the terms of the Policy.
\par 
\par It is common ground that on 19 May 2000 while the Policy was valid and in force, the plaintiffs\rquote  shop at Suva was looted and damaged by persons rampaging the streets of Suva.
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Issue
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par In all the circumstances of this case the Court has to find }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 whether the excluded events occurred on 19 May 2000}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 and if so what was it and where did it occur.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Then also whether the loss suffered by the plaintiffs at }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 12.49 pm}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  on }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 19 May 2000}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  was \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 directly or indirectly caused by or result from}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94
 by such events.
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid12472800 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 So, as pleaded, if the actions of Speight group was an excluded event as maintained by the defendants, were the looters causally connected to this or, as Mr. Patel put it, \lquote 
a leaderless, disorganised common mob answering the description of rioters (as opposed to being a rebellious mob) who took advantage of the situation for personal profit or gain (as opposed to looting in furtherance of the obj}{
\lang2057\langfe1033\langnp2057\insrsid12472800 ectives of the Speight group).\rquote }{\lang2057\langfe1033\langnp2057\insrsid863982 
\par }{\lang2057\langfe1033\langnp2057\insrsid12472800\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Events of 19 May 2000}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par In this case whether the defendants have discharged the burden of proof in establishing their case depends on my findings of fact on the evidence adduced through the various witnesses.
\par 
\par It is the case for the defendants that the alleged treacherous conduct of George Speight and his supporters constituted }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny, rebellion, revolution}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  or }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 within the meaning of those terms in the policy.
\par 
\par It is also their case that those treacherous acts at the Parliamentary Complex on the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 morning 19 May 2000}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  were }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 directly or indirectly}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  the cause of the rioting and looting from which the damage to the plaintiffs\rquote  store suffered.

\par 
\par One other matter has been raised by Mr. Daubney and that is whether the \lquote acts of Speight and his men who stormed Parliament on 19 May, or of the persons who looted and damaged the plaintiffs\rquote 
 shop that day, acts of terrorism in terms of exclusion 1(a)?\rquote }{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The burden of proof on this Mr. Daubney says falls on the plaintiffs.

\par 
\par The defendants led evidence to establish their entitlement to rely on the exclusion from particularly media representatives who covered for both television and radio the events that occurred on 19 May particularly the \lquote }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 March}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  that proceeded alon
g Victoria Parade to Government House and from there to Parliament Complex where Speight staged a \lquote coup\rquote .
\par 
\par The defendants\rquote  witness }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Sakuisa Bolaira }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 testified as to what he witnessed.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He received the news in the morning that there was a coup at Parliament House and that armed men had taken over the government.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Later he was informed that looting and rioting had commenced in the streets of }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 downtown}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  Suva and it was }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 noon}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  by the time he made his reunion with the cameraman and driver and proceeded to the main shopping area.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The witness admitted in cross-examination that when he arrived at the scene, Tappoo\rquote s shop had been looted and damaged.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He agreed that it was \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 guesswork}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote 
 when he said in his evidence in chief that the looting was immediately after the takeover of Parliament.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
He further said that he cannot put a time on how long after the event he tried }{\lang2057\langfe1033\langnp2057\insrsid12472800 taking the \lquote shots\rquote  in the shop.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par The other witness }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Francis Herman }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
in cross-examination said that after leaving his team at Parliament Complex he went into downtown Suva }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 late morning}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 and saw }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Pepe\rquote s}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  shop had been looted and damaged and so was }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Tappoo\rquote s}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Other shops in Cumming Street were also looted.
\par 
\par Then we have the witness }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Daniel Whippy }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 who left his office and went out of his building and walked through d
owntown Suva in \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 early afternoon}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He went to }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Tappoo\rquote s shop}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 While he was there for about five or ten minutes this is how he described the scene:
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 Q.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls35\pnrnot0\pnucltr\pnstart17\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls35\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Can you tell His Lordship what you saw as you approached the Tappoo shop?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 A.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls36\pnrnot0\pnucltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls36\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Well, as I came around the corner, the BP\rquote 
s Home Centre corner, I could smell perfume in the air \endash  very strong perfume.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
There were lots of people gathered in between the Home Centre building and the car park and the Tappoo shop.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
As I made my way through the crowd I noticed people holding sunglasses and cameras and they were sharing things amongst themselves.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
As I came to the front of the Tappoo shop I noticed there were about three or four policemen standing by the front door and there were people trickling out.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 As they trickled out they dropped all the stuff they had in their hands by the front door.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 I could see a lot of stock gathered around the front door.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par The witness }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Imraz Iqbal Ali}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  said in evidence in chief that the \lquote march\rquote  was to \lquote travel\rquote 
 from the \lquote market\rquote  in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Rodwell Road}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and was 
supposed to only go up to the Government House but it travelled all the way up to Parliament Complex.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
He said that while at the Government House when they were given news what had had happened they ran towards Parliament House.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
He said that he was on a truck and he \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 had a pretty good view of where people were going}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote .}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The majority of the people came towards Parliament and he did not see them going anywhere else.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Those who followed him in the police van he was in and going towards Parliament the crowd represe
nted virtually the marchers who had gathered at Government House gate.
\par 
\par The plaintiffs\rquote  witness }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 James Datta}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 gave a graphic account, inter alia, of what he saw on the day in question as far as looting at Tappoo\rquote s shop is concerned.
\par 
\par He said that about 10.00 am the \lquote Marchers\rquote  in thousands went past while he was standing in front of his store.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Their dress code was \'93somewhat different to the normal customers that we are used to seeing on a Friday in the City of Suva."}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
A lot of them, he said, had no shoes, some wore \lquote flip-flops, most of them shorts\rquote .}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
After they had gone past his building everything had gone back to normal.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
After hearing what is alleged to have taken place at Parliament Mr. Datta closed his store.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
This was about 11.45 a.m. then at 12.45 pm he was told and he saw that there were about 200 to 300 people had gathered outside Tappoo\rquote s main store.
\par 
\par Mr. Datta said that there were no policemen there.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 When asked by 
\par Mr. Patel as to \'93what kind of people were they?\'94 he replied: \'93They were the mums, the dads, the children, the grand mum, the grand dads, a lot of youth, a mixture of all sorts of people.\'94}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 He said that \'93they were the normal shoppers that came into our stores on Friday and that shop in the market and around the building.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 They are ju}{\lang2057\langfe1033\langnp2057\insrsid12472800 st the normal Friday shoppers.\'94}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par The witness then described what happened in these words:
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 A.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls38\pnrnot0\pnucltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls38\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 When I was standing there and all these people I noticed were standing outside or in front of Tappoo
\rquote s, all of a sudden there was some youth who ran towards the front door and they had something that appeared to me like steel in their hand and they crashed into the front door and I heard a loud smash.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 Q.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls39\pnrnot0\pnucltr\pnstart17\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls39\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Then what did you see?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 A.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls40\pnrnot0\pnucltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 I then saw people \endash 
 I then saw a surge of people, these 200 to 300 people that were in front of the store, they rushed inside Tappoo\rquote s through the broken door and then they started to help themselves to the stocks that Tappoo\rquote s had for sale.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 Q.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls41\pnrnot0\pnucltr\pnstart17\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls41\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Did you see people coming out with things?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 A.\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls37\pnrnot0\pnucltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxta .}}\aspalpha\aspnum\faauto\ls37\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Very much so.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 I saw people carrying Sanyo televisions on their shoulders.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 I s
aw young men coming out \endash  running out with Nike shoes.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
They were literally taking off their own shoes and putting the new Nike shoes on.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
They were changing into Nike tracksuits, they were changing into Nike T-shirts, and then jewellery, black pearls, 22 carrot gold and all this, watches, and what have you, they were freely exchanged on the street.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Mums, dads, kids, parents, everybody was just having a field day helping themselves and there was a lot of laughter, a lot of enjoyment that they got something for free.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par The witness said that these 300 people had \lquote enough stuff\rquote  so some of them had decided to find their way, to go.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
But the majority of them moved on from there into D V Diamonds\rquote  a jewellery shop.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 H.\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls42\pnrnot0\pnucltr\pnb1\pnstart8\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls42\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Findings of fact}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par On the evidence before the Court the following }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 findings of fact}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  are made:
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls43\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls43\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 On 19 May 2000 at 10.45 a.m. George Speight and several armed}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 persons stormed Parliament and took the Prime Minister and certain Parliamentarians hostage.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls43\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls43\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 At 12.49 pm the plaintiffs\rquote  shop was rioted and looted.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls43\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls43\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 There were three separate groups of people who were involved in the various incidents.

\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li1440\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid12472800 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
It is quite obvious on the evidence that the \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 marchers}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote 
 were a separate group from those who stormed Parliament; and the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 rioters and looters}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  were an altogether different 
group which looted the plaintiffs\rquote  shop.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls43\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls43\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The marchers were issued with permits to march and present a Petition to the President exercising their democratic right and seeking redress against certain policies of the Government.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls43\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls43\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The \lquote marchers\rquote  learnt of tak
eover of Parliament from Joe Brown at Government House Gate.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 They rushed to Parliament and remained at the gate and were not}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 allowed to join Speight and his group.
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (f)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls43\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls43\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Thereafter }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
rioting and looting}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  at }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Tappoo\rquote s}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  took place }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 12.49 p.m.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  but there is no evidence t
hat it was the marchers who returned to the city from Government House Gate who had started the riot and looting at Tappoo. 
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (g)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls43\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls43\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The Tappoos were the first shop to be damaged and looted in the CBD of Suva.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Looting was done by ordinary men, women and children. 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par It is quite clear from the evidence before the Court and I have no hesitation in finding as fact that the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 proximate cause}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 of}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 the loss and damage to Tappoos was }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 looting}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 malicious damage}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 by the rioters and looters and not the events in Parliament.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The looting was for personal gain of the looters }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 and not}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in furtherance of, or as part of, George Speight and his group. 
\par 
\par On the evidence before me it is abundantly clear that there were two separate events on 19 May 2000, namely, }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 firstly}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 takeover of Parliament and }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 secondly}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , the rioting and looting in the Central Business District of Suva.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
These events involved different people altogether with no common element in these two events occurring two hours apart and not continuous and in different parts of City of Suva quite some distance apart.
\par 
\par I accept as a fact, and I agree with Mr. Patel that although the riot and looting occurred after the takeover of Parliament there is no evidence that it occurred because of the takeover and nor is there evidence that the ri
ot and looting was the result of the takeover as there was no causal connection between them.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The chain of causation of the event in Parliament was clearly broken by the riot and looting which was an independent proximate cause of the Plaintiffs loss.
\par 
\par I a
gree with Mr. Patel that despite the occurrence of these events these main institutions of Government remained intact: in that Ratu Sir Kamisese Mara was still the President, the Fiji Military Forces and the Fiji Police Force were in place and carrying ou
t their duties and the judiciary was functioning and the 1997 Constitution was still in force on 19 May 2000.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
As Mr. Patel submits, Judicial Notice can be taken of these state of things.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 I.\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls42\pnrnot0\pnucltr\pnb1\pnstart8\pnindent360\pnsp120\pnhang {\pntxta .}}
\aspalpha\aspnum\faauto\ls42\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Does exclusion clause 1 (a) apply?
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 In the light of the above findings of fact, I shall now consider whether the said }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 exclusion clause 1(a)}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of the Policy applies in all }{\lang2057\langfe1033\langnp2057\insrsid2758593 the circumstances of this case.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par The terms of the contract between the parties are embodied in the Policy of insurance issued by the defendants to the plaintiffs.
\par 
\par As stated earlier the only issue or condition material to the Court\rquote s consideration in this case is whether the said exclusion clause 1(a), the terms of which have already been stated hereabove, applies or not.
\par 
\par In the light of}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Daubney\rquote s conten
tion and submission as stated earlier I shall confine my consideration of the issue to whether the conduct of Speight and his supporters are caught within the meaning of one or more of the words \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94, \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 rebellion}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 revolution}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 and \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 of the exclusion clause 1(a).
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (i)\tab Was it a \lquote mutiny\rquote ?}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 On the evidence before me, what took place on the day in question was not a \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  according to its definition.
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Lord Goddard}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 R v Grant }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 [1957] 2 All E.R. 694 at 696 referred to the definition of \'93mutiny\'94 in the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Manual of Military Law}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  where it is stated that:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93\lquote mutiny\rquote 
 implies collective subordination or combination of two or more persons to resort to and induce others to }{\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 resist military authority}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 (emphasis mine)
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (ii)}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Was it a \'93revolution\'94?
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 What took place on the critical day viz. 19 May 2000 and at the critical time a revolution\'94?}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 I do not think so on the evidence before me.
\par 
\par The Fiji Court of Appeal was attracted to the definition of the word }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93revolution\'94}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Brookfield\rquote s}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Waitangi and Indigenous Rights
 Revolution, Law and Legitimation (1999 Auckland University Press, p 13}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  when dealing with the case of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Chandrika Prasad and AG}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  FCA Appeal No. 78/}{\lang2057\langfe1033\langnp2057\insrsid2758593 20}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
00 at p.21 (Reported NZAR 1.3. 2001 385 at 404) where it is stated:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93For the purposes of a constitutional the
orist (though one with practical concerns as well), a revolution may be widely defined as the overthrow and replacement of any kind of legal order, or other constitutional change to it \endash 
 whether or not brought about by violence (internally or externally directed) \endash  which takes place contrary to any limitation or rule of change belonging to that legal order.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par The Court said:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid2758593 "}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Not all revolutions are successful.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 We find that this one was not, for the reasons to be discussed later.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Nor are all revolutions on the grand scale of the French Revolution or the Bolshevik Revolution in Russia.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Nor are all revolutions \'93glorious\'94, in the sense of ending the reign of a tyrant or replacing a repressive regime.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Nor do all revolutions involve bloodshed.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 In this case, the
re was a purported change in the legal order when the Commander decided to abrogate rather than suspend the Constitution on 29 May; he reinforced this change when, he later chose to install the Interim Civilian Government which has purported to govern eve
r since.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 On the facts, I find that on 19 May}{\lang2057\langfe1033\langnp2057\insrsid2758593  2000 there was no \lquote revolution\rquote }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (iii)\tab Was it a \lquote rebellion\rquote  and/or \lquote insurrection\rquote 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The term \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 rebellion}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  and \lquote }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  have been defined as follows by }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Saville J }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 National Oil Co. of Zimbabwe v. Sturge}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [199
1] 2 Lloyds Rep. 281 at 282:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93Rebellion
\'94 and \'93insurrection\'94 have somewhat similar meanings to each other.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 To my mind, each means that }{
\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 organized and violent internal uprising in a country}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  with, as a main purpose, the object of trying to overthrow or suppl
ant the government of that country though \'93insurrection\'94 denotes a lesser degree of organization and size than \'93rebellion\'94.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  also means \lquote a rising of the people\rquote  in open resistance against}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 established authority with the object of supplanting it.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It was so held in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Lindsay and Pirie v General Accident, Fire and Life Assurance Corp Ltd}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1914] App. Div. 574}{\lang2057\langfe1033\langnp2057\insrsid2758593 .}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par On the meaning of \'93rebellion\'94 and \'93insurrection\'94 I think I ought to refer to the following passage from the judgment of }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mustill J}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in Spinney\rquote s case (to which reference was also made by Mr. Daubney) to complete the picture as to what these terms mean:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93Rebellion\'94, \'93Insurrection\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
In my judgment the events which occurred in Lebanon before and at the time in question did not constitute either a rebellion or an insurrection.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 These words have several shades of meaning.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
I consider that they are used here in their most narrow sense, and not in the wider and more metaphorical way in which they are employed (as I shall later suggest) in some of the reported cases.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 As regards \'93rebellion\'94
 I adopt the definition in the Oxford English Dictionary (Murray) \endash  \'93\'85organised resistance to the ruler or government of one\rquote s country; insurrection, revolt.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 To this I would add that the purpose of the resistance mu
st be to supplant the existing rulers or at least to deprive them of authority over part of their territory.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The dictionary defines \'93insurrection\'94
 in a similar manner, but also suggests the notion of an incipient or limited rebellion.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 I believe that this 
reflects the distinction between two exceptions as they are used in the present clause, subject to the rider that a lesser degree of organisation may also mark off an insurrection from a rebellion.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 But with each exception there must be action against the government with a view to supplanting it.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Since, on the findings which I have made, none of the factions had the intent, at the time with which we are concerned, to force a change of government by acts of violence, the exceptions do not apply.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par In the context of this case the question is whether at the time when the Plaintiffs\rquote  shop was looted at 12.49 p.m. on 19 May 2000 there was in existence a \lquote rebellion\rquote  and/or \lquote insurrection\rquote 
 in so far the incident of looting was concerned.
\par 
\par As is quite evident on the evidence, and it also stands out that at 12.49 pm the only event that had occurred was the takeover of Parliament and holding hostage the Prime Minister and some Parliamentarians.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The Speight Group and Speight himself had not at that time \'93arrogated to them
selves the proper law making and law enforcing functions of the State\'94 to have usurped power (}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Spinney\rquote s (1948) Ltd. & Ors. v Royal Insurance Co. Ltd}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1980 1 Lloyds Rep. 406)
\par 
\par In }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Spinney\rquote s, }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (supra)}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  Mustill J}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  said at 435 that \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 usurped power}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 does not necessa
rily cannote a rebellion or insurrection.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 In this context it is interesting to note }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mustill J\rquote s}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 further statement at p.435 when he said:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93
one must ask whether those participating in the events which occurred at the time in question had a sufficiently warlike posture, organisation and universality of purpose to constitute them an usurped power.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 So far as concerns casual looters, armed men settling personal scores, young people firing off guns for the sake of it, the answer is 
\'93No\'94.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 But for the trained milit
ia, and those armed civilians who were temporarily fighting at their side, the answer is, in my opinion, \'93Yes\'94.}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par For these reasons, on the authorities, the said actions of the armed men and taking over Parliament and holding the Prime Minister and others hostage did not amount to }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 revolution}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 revolution, rebellion}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 or insurrection}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  despite the eloquent submission of Mr. Daubney.
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (iv)}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Riot
\par 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It is my clear view when the plaintiff\rquote s shop was looted, there was a riot and looting going on.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 These were staged by, as Mr. Patel says, a leaderless, disorganized common mob who committed the crimes of malicious damage and theft but not rebellion or insurrection.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Their actions constituted a riot.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Riot}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  is defined in }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 s86 }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 of the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Penal Code Cap.}{
\b\lang2057\langfe1033\langnp2057\insrsid2758593  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 17}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  as follows:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93when
 an unlawful assembly has began to execute the purpose for which it assembled by a breach of the peace and to terror of the public, the assembly is called a riot, and the persons assembled are said to be riotously assembled.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Unlawful assembly}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 has been 
defined in the same section as including three or more persons assembled with intent to commit an offence.
\par 
\par The actions of these rioters and looters did not pose a threat to the government and is not an insurrection.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
A common mob as it was in this case, must be distinguished from a rebellious mob.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 A common mob commits a \lquote riot\rquote 
 whereas a rebellious mob treason as stated by }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Wilmot CJ}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Drinkwater v London Assurance }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 [1767] 95 E.R. 863 at 864:
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93The difference between a rebellious mob and a common mob is, that
 the first is high treason, the latter a riot or felony.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (v)}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Construction of exclusion clause
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 This was a broker policy, and the broker who prepared it acted for the plaintiffs (the insured) and any ambiguity in the policy is to be construed against the insurer (the defendants).}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 In this regard under the caption \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Part V \endash 
 Construction of Policies, Proposals etc}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 s29 of Insurance Law Reform Act 1996 }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 sets out the rules of construction and begins thus:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'9329. Notwithstanding any law or agreement to the contrar
y, the following rules of Construction shall be observed in the interpretation of any proposal for insurance or any policy of insurance or endorsement on a policy of insurance: (a) to (n)..\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par This was an \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 all-risk}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 policy which has been described by Lord Summer in }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 British and Foreign Marine Insurance Co. Ltd v Gaunt}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1921] 2 AC 41 at 57 as follows:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93
The more widely the category of perils insured against is extended, the more nearly is it true to say that not only perils }{\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 of}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  the sea but perils }{\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 on}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  the sea are insured.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93All risks\'94 has the same effect as if all insurable risks were separately enumerated.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (vi)}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Meaning of \'93}{
\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 directly or indirectly caused by or resulting from}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  \'85\'85\'94
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The words of the exclusion clause 1(a) states that: \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 This policy does not insure any 
loss or damage directly or indirectly caused by or resulting from \'85.\'94
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 These words mean what they say.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
On the evidence before the court I find that the incidents of the day did not lead straight or immediately, directly or indirectly to the looting that took place at Tappoos.
\par 
\par As Mr. Patel submits the words \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 resulting from}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  in clause 1(a) is not prefixed by \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 directly or indirectly}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 That raises an ambiguity as it can mean either \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 directly resulting from}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 or \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 indirectly resulting from}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 or both.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 As stated in s29(1) of the Insurance Land Reform Act such ambiguity should be resolved in favour of the insured.
\par 
\par Therefore, an interpretation which is favourable to the insured should be given and that would require interpretation that the loss or damage should directly result from the excluded event.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (vii)\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls48\pnrnot0\pnlcrm\pnb1\pnstart7\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls48\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Meaning of \'93resulting from\'94}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par What the term \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 resulting from}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 means is that the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
loss in fact}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  must have resulted from an excluded event.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
It has been defined by }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Collins M.R}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Dunham v Clare}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1902] 71 LJ KB 683 as follows:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93The question whether one event 
\lquote results\rquote  from another involves an examination of the chain of causation.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 There must be no break in the chain.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 If there is a break, then the final event is not the result of the initial event.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 But the break must be an actual effective break, a novus actus interveniens, from which a new chain of causation commences.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 To constitute an actual effective break in the chain, the predominant and really efficient cause of the final event must be the new act intervening.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Otherwise there is no such break in the chain as to prevent the final event from being the \lquote result\rquote 
 (though an improbable result) of the initial event.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It means that that there has to be a causal connection between excluded event and the loss.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (viii)\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls48\pnrnot0\pnlcrm\pnb1\pnstart7\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls48\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Meaning of \'93proximate cause\'94}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par Mr. Patel referred the Court to a number of authorities on what is \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 proximate cause}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94.
\par 
\par It is a fundamental principle of insurance law that the insurer is not liable for any loss which is not }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 proximately caused}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 by the peril insured against (}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Groves v AMP Fire & General Insurance Co. (N.Z.) Ltd}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1990] 2 NZLR 408 C.A. at 411, }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Hardie Boys J}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 ) 
\par 
\par On the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 doctrine of proximate cause}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  he referred to }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Professor Hardy Ivamy}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 General Principles of Insurance Law}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 (6th Ed. 1993 at pp 406-409) as follows which is apt:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
The doctrine of proximate cause is based on the presumed intention of the parties as expressed in the contract, which they made.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
It must be applied with good sense, so as to give effect to, and not to defeat, that intention.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Its application, therefore, dep
ends on the broad principle that the policy was intended to cover any loss which can fairly be attributed to the operation of the peril.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Wherever there is a succession of causes which must have existed in order to produce the loss, or which has, in fact, c
ontributed or may have contributed to produce it, the doctrine of proximate cause has to be applied for the purpose of ascertaining which of the successive causes in the cause to which the loss is to be attributed within the intention of the policy 
\endash  Professor Hardy Ivamy, General Principles of Insurance Law}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (6th ed. 1993 at pp 406-409).
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par In regard to \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 cause}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Lord Wright}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Yorkshire Duke Steamship Co v Minister of War}{\b\lang2057\langfe1033\langnp2057\insrsid2758593  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Transport}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1942] AC 691 at 706 summed up the situation very well when he said:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93This cho
ice of the real or efficient cause from out of the whole complex of the facts must be made by applying commonsense standards.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Causation is to be understood as the man in the street, and not as either the scientist or the metaphysician, would understand it.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Cause here means what a business or seafaring man would take to be the cause without too microscopic analysis but on a broad view.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 And }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Windeyer J}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Kavanagh v The Commonwealth }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 [1960] 103 CLR 547 at 584 added his observation when he said:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93Law must, fo
r its purposes, extract one or more circumstances out of the whole complex of antecedent conditions of an event as its cause.\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par To conclude therefore on the authorities and on the evidence the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 proximate cause}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 of the loss to the plaintiffs shop was the \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 riot}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote  and \lquote }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 looting}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote 
 and not what took place at Parliament House irrespective of whether or not any of these events were also excluded events.
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (ix)\tab Causation
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par It must be noted that the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 causal connection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  between the excluded event and the loss:
\par 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 must not be too remote
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 must not merely set the scene or give occasion for the operation of an independent cause

\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 must not be accidental
\par }\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par {\pntext\pard\plain\s17 \lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard \s17\ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls49\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls49\adjustright\rin0\lin1440\itap0\pararsid2758593 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 must not be broken
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par Mr. Patel dealt with the above matters at great lengths citing authorities.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Because of the overwhelming evidence
 against the defendants, I need only say that there was a break in the chain of two hours between the takeover of Parliament and the beginning of the riot and looting.
\par 
\par In the circumstances of this case the following extract from the judgment of the full Federal Court in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Como Investments Pty Ltd (in Liquidation) v Yenald Nominees Pty Ltd }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 [1997] 19 ATPR 43, 617 at 43,619 is apt:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93
The law does not consider cause and effect in mathematical or in philosophical terms.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The law looks at what influences the action
s of the parties.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Acknowledging that people are often swayed by several considerations, influencing them to varying extents, the law attributes causality to a single one of those considerations, provided it had some substantial rather than negligible effect\'94.}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par It is abundantly clear, and as I have found as fact, that George Speight and his group did not have any responsibility to or for the rioters and looters of the plaintiffs\rquote  shop.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (ix)\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls48\pnrnot0\pnlcrm\pnb1\pnstart7\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls48\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Act of Terrorism
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 I have considered the submissions of both counsel on the subject of \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 terrorism}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94.
\par 
\par In short, as I have stated hereabove it is Mr. Daubney\rquote s argument that the onus is on the plaintiffs to prove terrorism.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
He says that there is not a shred of evidence that he people who caused the damage, namely, the looters were committing acts of terrorism.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Hence he says the exception clause does not operate in regard to \lquote terrorism\rquote 
\par 
\par On the other hand, it is the plaintiff\rquote s submission that act of terrorism was an insured peril in the \'93all risks policy\'94.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
Hence, counsel says, it is not a defined peril.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Patel argued, inter alia, that the \lquote 
act of terrorism must be given a dictionary meaning\rquote .
\par 
\par The }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Collins English Dictionary}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (2nd Ed. 1986) defines \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 terrorism}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
as a person who employs terror or terrorism especially as a political weapon}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94.
\par 
\par In }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Francisco Nota Moises v Canadian Newspaper Co}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1993] BCSC 2503/88 the Court applied the dictionary meaning to \'93
terrorism\'94 in the absence of a statutory meaning.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 His Honour said:
\par 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93Where an organization or person is to be described as a terror
ist, in many respects, depends upon the vantage point of the individual applying the word.}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 One definition of \'93terrorism\'94
 which seems to be generally acceptable is taken from Random House Dictionary:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }\pard \s17\ql \li1440\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The use of violence and threats to intimidate or coerce,
 especially for political purposes.
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The Oxford English Dictionary, 2nd ed, defines \'93terrorist\'94 as:
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li1440\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid2758593 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Any one who attempts to further his views by a system of coercive intimidation.
\'94
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid2758593 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Mr. Patel argues that the words \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 caused by}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94
 in the proviso can also mean \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 indirectly caused by}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 in view of the opening words of clause 1(a).}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
He says that there is an ambiguity and that it should be resolved in favour of the insured giving an interpretation favourable to the insured [}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 s29(l) Insurance Law Reform Act 1996}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 ].
\par 
\par In view of my findings of fact particularly that the \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 marchers}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \rquote 
 were a separate group from those who stormed Parliament, and that the rioters and looters were an altogether different group which looted the plaintiffs\rquote  shop, no question of acts of terrorism arises as far as looting at plaintiffs\rquote 
 shop is concerned.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Hence there is no need for \lquote terrorism\rquote  to be proved by the plaintiffs.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 However, }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 if }{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 the rioting and looting was in support of or in connection with the takeover of Parliament, which I find it was not, then that would have been an act of terrorism.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Again, to use Mr. Patel\rquote s own expression, with which I agree, }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 if}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  rioters and looters were part of the marchers, which they }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 were not}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  I find, that too was an act of terrorism because the rioting and looting were for \'93political ends\'94, namely, to displace the Government.}{\lang2057\langfe1033\langnp2057\insrsid15100095 
 }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Also, again if the rioting and looting was in support of, or resulting from, a protest march, which I find it }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 was not}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 , which was organized by Fijian political parties to present a petition to the President seeking solution to their grievances that was also an act of terrorism because such March was for \'93
political ends\'94, namely, directed at the government.
\par 
\par To sum up on this aspect, the defendant is relying entirely on establishing one or more of the terms \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mutiny}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94, \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 rebellion}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94, \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 revolution}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 and \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 insurrection}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 of exclusion clause 1(a).}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 As I have found none of these have been established to enable the defendant to take the benefit of the exclusion clause.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Hence, the \lquote acts of terrorism\rquote  if there were any
 referred to in the exclusion clause does not affect the plaintiffs in any way in overcoming the defendants\rquote  defence.
\par 
\par {\pntext\pard\plain\s17 \b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \hich\af0\dbch\af0\loch\f0 (xi)\tab}}\pard \s17\ql \li0\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls51\pnrnot0\pnlcrm\pnb1\pnstart11\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls51\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Applicability of s25 of Insurance Law Reform Act 1996}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid991575 
\par }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 There was no }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 causal connection }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
between the excluded events, which I find did not occur, the loss to the plaintiffs, the evidence reveals was due to rioting and looting and that was not only the \'93proximate\'94 cause of the loss but also the direct cause.
\par 
\par In s.25 \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 caused or contributed}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 mean that it must be the \'93}{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 proximate}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 cause or should have \'93}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 materially}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'94 contributed to the loss.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 The following statement of }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Gallen J}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Harris v N.Z. Insurance Co. Ltd}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  [1987] 5 ANZ Ins. Cases 60, 817 is apt:
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid991575 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 \'93In my view, opportunity is not enough.}{
\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 What that section contemplates is something which is rather }{\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 mo
st directly}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  related to the particular loss, \'85\'94}{\b\lang2057\langfe1033\langnp2057\insrsid15100095  }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 (emphasis mine).

\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par It was in }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid991575 Harris}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  (supra) that s11 which is identical to s.25 of Insurance Law Reform Act 1996 was considered.
\par 
\par In the circumstances of this case the plaintiffs are entitled to relief against the exclusion clause in the policies under }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 s25}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  of the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Insurance Law Reform Act 1996}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 .
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Conclusion}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par 
\par In the outcome, for the above reasons and on the authorities the plaintiffs succeed in their claims as the defendants had failed to discharge the burden of pr
oof that lay upon them to prove that the exclusion clause 1(a) applies in their favour to escape liability to pay under the policy for damage suffered by the plaintiffs arising out of the events of 19 May 2000.
\par 
\par I hold that the defendant is liable to pay for damage under the said Policy.
\par 
\par There will therefore be }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 judgment }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 for the plaintiffs against the defendants for liability for damages.}{
\lang2057\langfe1033\langnp2057\insrsid15100095  }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It is ordered}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  that the defendants pay }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 costs }{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 to the plaintiffs which are to be taxed if not agreed.}{\lang2057\langfe1033\langnp2057\insrsid15100095  }{
\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 It is further ordered}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
 that the plaintiff apply to Court within 14 days from the date of this judgment for the hearing of the determination of the }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 quantum}{
\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  and }{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 interest}{\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095  (if not agreed or resolved by the parties).

\par 
\par }\pard \s17\qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 D. Pathik
\par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 Judge}{\b\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 
\par }\pard \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15100095 {\lang2057\langfe1033\langnp2057\insrsid863982\charrsid15100095 At Suva
\par 19 May 2004
\par }}