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\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\pararsid12205442 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid6977239\charrsid6977239 IN THE }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid6977239 HIGH COURT OF FIJI
\par AT SUVA
\par CIVIL JURISDICTION
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 CIVIL ACTION NO. 385 OF 2000
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Between:
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid6977239 C. J. PATEL & COMPANY LIMITED
\par JAYSUN PROPRIETORY LIMITED
\par C. J. TECHNOLOGY LIMITED
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Plaintiffs
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 and
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid6977239 QUEENSLAND INSURANCE (FIJI) LIMITED
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Defendant
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par Mr. B. C. Patel with Mr. S. P. Sharma for the Plaintiffs
\par }{\lang2057\langfe1033\langnp2057\insrsid6977239 Mr. F. Haniff for the Defendant}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 JUDGMENT
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par By }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 summons}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  dated }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 20 June 2002}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  the plaintiffs are applying for }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 summary judgment}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
 pursuant to }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Order 14 Rule 2}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  of }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
The High Court Rules 1988}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  seeking the following orders:
\par 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid6977239 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 That 
final judgment be entered in this action against the Defendant for the amount claimed in the Amended Statement of Claim, namely: $990,00.00.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6977239 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid6977239 {\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Alternatively}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
, that judgment be entered for the Plaintiffs in this action against the Defendant for such part of the claim, as may seem to this Honourable Court, that there is no defence.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6977239 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid6977239 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
That the Defendant pay to the Plaintiffs interest on the judgment sum at 12.5% per annum calculated from 25 May, 2000 to the date of payment.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6977239 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls6\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1440\itap0\pararsid6977239 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 That the Defendant pay to the Plaintif
fs costs of this application on a full Solicitor/Client (on) indemnity basis.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par The grounds on which the plaintiffs rely are set out in the affidavit in support of the application of}{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  Ajith Kodagoda}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
, the Group Finance Controller for the plaintiffs; the affidavit was sworn on 19 June 2002.}{\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par The Summons is vigorously opposed by the defendant.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 There was a lengthy hearing.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 As ordered, both counsel made useful written submissions to which I have given due consideration.
\par 
\par Before the Courts are the said affidavit of Ajith Kodagoda, affidavit in Reply of }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Peter Fimone}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
, the Claims Manager of defendant company, sworn 10 July 2002 and Affidavit in Reply of Ajith Kodagoda sworn 31 July 2002.
\par 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid1670197 State of Pleadings before application
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid1670197 
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Before considering the application I consider that I ought to set out the}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
state of pleadings in this action at the time when the application was made.
\par 
\par It was by }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 writ of summons}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  that the plaintiffs commenced this action on 8 September 2000.
\par 
\par The plaintiffs are claiming, as in the }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Amended Statement of Claim,}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  the sum of }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 F990,000.00}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  for loss and damage arising out of a fire on }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 19 May 2000}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  while the insurance policies were current which destroyed the plaintiff\rquote 
s plant, buildings, equipment and goods together with business interest the subject matter of the said policies.
\par 
\par The }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Statement of Defence}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  was filed on 3 October 2000 and a }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Reply to Defence}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  was filed on 14 November 2000.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Order on Summons for Direction}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  was made on 6 December 2000.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Application for Pre-trial Conference was made on 26 April 2001.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 On 2
 January 2002 there was change of solicitors for the plaintiffs.
\par 
\par An order to file Amended Statement of Claim was made by the Deputy Registrar on 23 January 2002 and this was done.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
Defence to Amended Statement of Claim was filed on 7 May 2002 and a Reply thereto on 20 February 2002.
\par 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid1670197 Background
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par Because the defendant refused to pay the insurance claims made by the plaintiffs this action commenced.
\par 
\par The defendant denied liability for the two claims made under two different contracts of insurance.
\par 
\par However, following the filing of an Amended Statement of Claim and}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
Defence and Reply, the present application is made by the plaintiffs for summary judgment.
\par 
\par It was on }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 10 February 1998}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  that the plaintiffs and the defendant entered into a contract of insurance.}{
\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The insurance contract comprised }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Policy No. 0039077}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 , which is a material damage/consequential Loss and Business Interruption policy.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The period of cover of this policy was expressed to be for a period expiring on }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 31 December 1998}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  \'93or any other period for which the Company and the insured agreed to renew the policy\'94.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid1670197 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid1670197 The plaintiff\rquote s claim
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par The plaintiffs now claim }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 $741,600.00}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  under the application for }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 summary}{\b\lang2057\langfe1033\langnp2057\insrsid6977239  }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 judgment}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 .
\par 
\par They state (as per written submissions page 2):
\par 
\par The Summons seeks summary judgment, for the two claims under the two claims under the two contracts of insurance, for $990,000 or alternatively seeks judgment for such part of the claims to which there is no defence.}{
\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 However, the Plaintiffs are now asking for judgment only in respect of the claim u
nder the material damage/business interruption cover and not under the electronic equipment cover.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The amount presently claimed is $741,660.

\par 
\par The original Statement of Claim filed herein claimed $1,123,000 for the two claims under the two contracts.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 That q
uantum of claim was subsequently agreed by the parties at $990,000 (para.10, Amended Statement of Claim).}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
In order to determine the undisputed amount, for the purposes of this application, the Plaintiffs suggest that the entire sum of $248,340 (being the amount of the original claim under the electronic equipment cover) be deducted from $990,000.}{
\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
That will leave $741,660 in respect of the claim under the material damage/business interruption cover, to which there is no defence, and for which the Plaintiffs seek judgment, and interest thereon.
\par 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid1670197 Grounds of application
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par The application is made on the following grounds (as stated in Kodagoda affidavit):
\par 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
The contract of insurance for the all risk cover was made on 30 December, 1999 by the issue of a }{\b\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 placing slip}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
 of that date (\'93the }{\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 placing slip}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'94).
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The placing slip was signed by Queensland (65%);}{
\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Fai (5%) and New India (30%) as insurers.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The insurance cover was for 12 months from 31 December, 1999.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 No policy document has been issued following the signing of the placing slip.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (v)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
The properties and sums insured by the placing slip are different from that under an earlier policy no. 0039077.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (vi)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
Policy 0039077 was issued by Queensland alone and was for the period from 1 July, 1997 to 31 December, 1998.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (vii)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 There is no expre
ss or implied reference in the placing slip that it is in renewal of policy 0039077.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (viii)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
The placing slip does not expressly or impliedly contain or incorporate the exclusion clause 1(a) in policy 0039077 on which the Defendant is relying to deny the claim.
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (ix)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls7\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin1440\itap0\pararsid1670197 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 There is no legal defence pleaded.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 Defendant\rquote s submission
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par Counsel for the defendant Mr. Haniff disagrees with the arguments put forward by Mr. Patel.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 He says in short that the \lquote }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 placing slip}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \rquote  does not comprise the contracts or the Policy document but repr
esented the renewal of Policy 0039077 until 31 December 2000.
\par 
\par Mr. Haniff\rquote s further argument is (as per his submissions):
\par 
\par The Defendant says that the document titled the \'93placing slip\'94 (\'93}{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Placing Slip}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'94), in Annexure \'93A\'94
 of Kodagoda\rquote s affidavit, is the renewal of Policy No. 0039077, a document prepared by the Plaintiffs brokers Marsh & McLennan (\'93}{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Marsh}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'94).}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
According to the Defendant, the placing slip does not comprise the contract of insurance or the Policy document but represented the renewal of Policy 0039077 until 31 December 2000.
\par 
\par The Defendant further says that its position is confirmed by the Plaintiffs\rquote  Brokers, Marsh.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
On 29 December 1999, Marsh wrote to the Defendant confirming the renewal of various policies.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The Defendant says that the renewals incl
uded the renewal of Policy No. 0039077 \endash  See annexure 1 of Mr. Peter Fimone\rquote s affidavit sworn and filed herein on 11 July 2002.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 In addition to renewing Policy No. 0039077, the placing slip only modified the extent of the properties covered and the sums insured under Policy No. 0039077.
\par 
\par The Defendants say that the letter by Marsh clearly intends the renewal of Policy No. 0039077 as well as other policies held by the Plaintiffs.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The letter of 29 December 1999 from Marsh to the Defendant }{\lang2057\langfe1033\langnp2057\insrsid4066275 says as follows:}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 

\par 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls8\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Sub}{\lang2057\langfe1033\langnp2057\insrsid4066275 ject : CJ Patel Group \endash  Renewal}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \ql \li0\ri0\widctlpar{\*\pn \pnlvlcont\ilvl0\ls0\pnrnot0\pndec }\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ql \fi-720\li1440\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls8\pnrnot0\pnlcrm\pnstart1\pnindent360\pnsp120\pnhang 
{\pntxtb (}{\pntxta )}}\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin1440\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
We have pleasure in confirming renewal of all policies for the CJ Patel Group for a further year and the following amendments
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 {\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 General
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 (a)\tab 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 (b)
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }{\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 Material Damage/Consequential Loss
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par {\pntext\pard\plain\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard \ql \li720\ri0\widctlpar{\*\pn \pnlvlbody\ilvl0\ls9\pnrnot0\pnlcltr\pnstart1\pnindent360\pnsp120\pnhang {\pntxtb (}{\pntxta )}}
\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin720\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Please }{\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 extend}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  policy to include\'85..
\par }\pard \ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 (b)
\par }{\lang2057\langfe1033\langnp2057\insrsid4066275 (c)}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par (d)
\par (e)
\par (f)
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par Meanwhile please sign and return the attached placing slip in respect of this policy
\par 
\par Mr. Haniff further submits that because of conflict in evidence whether there is a contract of insurance it must mean that there is a \'93}{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 triable issue}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'94 and the defendant\rquote s assertion should not be rejected but it be given leave to defend the action.
\par 
\par He says that leave to defend should be given as only the plaintiffs\rquote  agents will be able to explain the effect and meaning of the letter it wrote to the defendant on 29 December 1999.
\par 
\par Further, he submits that the parties differ on affidavit evidence as to what the general insurance industry practice in Fiji is regarding \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 renewals}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \rquote  and \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 placing slips}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \rquote .}{
\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 It is the defendant\rquote s contention that the broker\rquote s \lquote placing ship\rquote 
 is not a formal insurance policy wording whereas the plaintiffs\rquote  argument is to the contrary in that it is the insurance industry practice throughout the world including Fiji that the \lquote placing slip\rquote  is the contract of insurance.

\par 
\par Counsel for the defendant submits that the parties differ so much on the practice in Fiji on the effect of \lquote placing slip\rquote  that it is a }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 question of fact}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  to be decided on }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 oral evidence}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  in the }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 trial}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  of the action.
\par 
\par In the matter of claim for $990,000.00 by the plaintiffs the defend
ant argues that it agreed to indemnify the plaintiffs for specified loss subject to the exclusion set out in the policy and that the loss suffered by the plaintiffs in Policy No. 0039077 was caused either directly or indirectly from one or more of the cau
ses set out in exclusion 1(a) of the Policy and accordingly such loss was covered under the terms of the policy.
\par 
\par Finally, counsel submits that while the defendant has agreed that the quantum of the loss under both policies is $900,000.00 }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 but}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  it says that the loss suffered by the plaintiffs was }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 excluded}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  under the }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 exclusion clause}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  of both policies.
\par 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 Consideration of the application
\par Why application under Order 14?
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par The learned counsel for the plaintiffs says that the need for application under }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Order 14}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  arose a
s a result of amendment to the Statement of Claim and the defendant\rquote s reply to the amended claim.
\par 
\par In view of the stage that the pleadings have reached as stated hereabove one would have thought that it would have been proper and more expeditious to have p
roceeded with the action in the normal way and have the action set down for hearing quickly so that all the issues between the parties could have been decided once and for all}{\lang2057\langfe1033\langnp2057\insrsid4066275  in the hearing of the action.}
{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par 
\par In this case Mr. Patel is asking the Court to have \lquote two goes\rquote  so to say at this case judging from his submission when he said that (at page 18) \lquote 
the plaintiffs seek judgment against the defendant for that sum of $741,660 and interest thereon\rquote }{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
and then (on page 19) says in the last item of his submission that \lquote the claim for the balance of $248,340 can proceed in the normal way pursuant to }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Order 14 r8}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  of the }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 High Court Rules}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 , }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 1988}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 .\rquote 
\par 
\par In deference to Mr. Patel\rquote s very lucid and convincing submission as to why judgment should be entered under Order 14, I would
 like to say this that after looking at the argument in opposition put by Mr. Haniff I consider bearing in mind the law and the principles involved, that I ought to allow the defendant its day in Court by hearing the action rather than giving a summary ju
dgment on part of the claim.
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 It was said by }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Greig J}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  in the Court of Appeal case of }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Australian Guarantee Corporation (NZ) Ltd v McBeth}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  [1992] NZLR 54 at 58-9:
\par }\pard\plain \s17\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard\plain \ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
The summary judgment procedure is a simple expeditious way to enable a plaintiff to obtain judgment where }{\b\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 there is no real defence to the claim}{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  made: see Pemberton v Chappell [1987] 1 NZLR 1 at p 2.}{\b\lang2057\langfe1033\langnp2057\insrsid6977239  }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
The essence of the procedure is the plaintiff\rquote s own verification by affidavit of his own statement of claim and the allegations made in it: Harry Smith Car Sales Pty Ltd v Claycom Vegetable Supply Co Pty Ltd (1978) 29 ACTR 21.}{
\b\lang2057\langfe1033\langnp2057\insrsid6977239  }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
There has to be a balancing between the right of the defendant to have his day in Court and to have his proper defences explored and the appropriate robust and realistic approach call
ed for by the particular facts of the case: see Bibly Dimock Corporation Ltd v Patel (1987) 1 PR}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  Z 84 }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
and Cegami Investments Ltd v AMP Financial Corporation (NZ) Ltd (11990) 2 NZLR 308 at p 313.}{\b\lang2057\langfe1033\langnp2057\insrsid6977239  }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
Although the onus is upon the plaintiff there is upon the defendant a need to provide some evidential foundation for the defences which are raised.}{\b\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 If not, the plaintiff\rquote s verification stands unchallenged and ought to be accepted unless it is patently wrong.}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 

\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 Is this a proper case for application of Order 14 r2
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par On the affidavit evidence before me and on the pleadings, I find that there are }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 triable issues }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
in this case for which the summary judgment procedure under Order 14 is not suitable.
\par 
\par Mr. Patel himself has raised the point that the amended pleadings raise \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 questions of law}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \rquote 
 which is of some general importance, namely: \'93what is the legal status of the \lquote }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 placing slip}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \rquote 
 dated 30 December 1999?}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Does it constitute a new contract of insurance or is it a renewal of an earlier Q1 Policy 0039077?\'94
\par 
\par Mr. Patel then argues the point about \'93placing slip\'94 at some length with clarity.
\par 
\par Similarly, Mr. Haniff goes into some detail on this aspect and differs from Mr. Patel\rquote s views.
\par 
\par If I were to decide on the status of the \'93}{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 placing slip}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'94 I would be severing this aspect of the action
 from the rest of the case and then hereafter hear evidence on the balance of the claim.
\par 
\par Although from my reading of Mr. Patel\rquote s submission it is possible to sever and decide independently, with all due respect to his arguments quite lucidly put.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 I am strongly of the view that the whole action should be dealt with \lquote one go\rquote  so to say at the hearing of the action with all the relevant evidence put before the Court.}{
\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 This would be a neater way of dealing with the issues.
\par 
\par When I say this I should not be understood as having decided on Mr. Patel\rquote s submissions or that I have accepted Mr. Haniff\rquote s submissions on \lquote placing slip\rquote .
\par 
\par At best I should be understood as meaning that I prefer to hear full argument on the issues at the hearing of the action when the defendant will have the full opportunity of adducing evidence on, inter alia, \lquote placing slip\rquote .}{
\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 What other evidence the}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
defendant adduces is entirely upto it.
\par 
\par }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 The law (on Order 14)}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par 
\par In the light of my observations and comments on the pleadings and affidavit evidence, the authorities that I refer to hereunder are pertinent and are to be borne in mind.
\par 
\par In }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Express Newspapers Plc}{\b\lang2057\langfe1033\langnp2057\insrsid6977239  }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 v News (UK) Ltd and Others }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 [1990] 3 All E.R. 376 at 379 }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Browne-Wilkinson V-C}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  said:

\par 
\par }\pard\plain \s15\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 \b\i\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'93
Summary judgment under Order 14 is a judgment given in the clearest cases before an ordinary trial has taken place.}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
Summary judgment is only given where it is clear that there is no arguable defence to the claim.}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
If there is an arguable issue to be tried, in particular where there are matters of fact to be resolved which can only be resolved at trial, the court gives leave to defend and the case goes to trial to be heard out.}{
\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
Summary judgment is a means of short-circuiting that system in the clear case where it is shown that, even if it went to trial, the defence could not succeed\'94.
\par }\pard\plain \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 In summary judgment procedure, as was held in }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Maclean v Stewart}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  unreported, 20 August 1997, CA 288/96, the Court of Appeal confirmed an important principle of the summary judgment procedure that the onus remains on the plaintiff thr
oughout to establish that the defendant has no defence.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
In the present case in view of my observations I am not finally satisfied on this point and therefore the application has to be dismissed for to do otherwise, in my view, the Court will be embroiling 
itself in deciding the merits of the claim rather than confining itself to the pertinent issue whether there was an arguable defence.
\par 
\par Since I have found that there are }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 triable issues}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  the following passages from the judgment of }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Greer L.J}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  in }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Powszechny Bank Zwiakony W Polsch v Paros}
{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  (1932) 2 K.B. 353 are worth noting in this regard:
\par 
\par There at p.359 }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Greer L.J.}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  said 
\par }\pard\plain \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \b\i\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b0\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 
\par }\pard \s15\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 {\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'93
It has long been the rule that in proceedings under Order XIV, what the Court, whether this Court or the King\rquote s Bench Division, has to ascertain is }{\i0\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 whether there is a triable}{
\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  issue.}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
If there is, no matter how strongly the Court may anticipate that it will be decided in the plaintiff\rquote s favour, it must order a trial.\'94}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\b0\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 (emphasis mine).
\par }\pard\plain \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 He goes on to say that:
\par }\pard\plain \s15\ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \b\i\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b0\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 
\par }\pard \s15\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 {\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'93All the defendant need say is that he
 requires the plaintiff to prove his case, and the law puts upon the plaintiff the onus of proving it.}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
When the defendant says he does not admit the claim he need not carry the case any further than to say: \lquote There is a triable issue and I want to have it tried\rquote .
\par }\pard\plain \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4066275 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 Conclusion
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
\par In the outcome, for the reasons given and on the authorities I cannot accede to the application for summary judgment.
\par 
\par There is no doubt that the plaintiffs are entitled to apply under }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Order 14 rules 1 & 2}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  of the High Court Rules 1988.

\par 
\par I am not unmindful that issues of this nature can be considered in the Order 14 context and in this regard the following statement from the judgment of }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Kerr L.J}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  in }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 S.L. Sethia Liners Ltd v State Trading Corporation of India}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  (1986) 1 Lloyds Rep. 31 at }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 38}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  is borne in mind:
\par 
\par }\pard\plain \s15\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 \b\i\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'93
if a point of law is raised on behalf of the defendants, which the Court feels able to consider without reference to contested facts simply on the submissions of the parties, then it is now settled law that in applications for summary ju
dgment under Order 14 the Court will do so in order to see whether there is any substance in the proposed defence.}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
If it concludes that, although arguable, the point is bad, then it will give judgment for the plaintiffs.\'94
\par }\pard\plain \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 To conclude, to tackle the issue in this application I have found a good guide, which I have applied, in the following passage from the judgment of }{
\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Parker L.J.}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  in }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
Home and Overseas Insurance Co. Ltd v Mentor Insurance Co. (UK) Ltd (in Liq)}{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  (1989) 3 All E.R. 74 at 77:
\par 
\par }\pard\plain \s15\ql \li720\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4066275 \b\i\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 \'93
The purpose of Ord 14 is to enable a plaintiff to obtain a quick judgment where there is plainly no defence to the claim.}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
If the defendant\rquote s only suggested defence is a point of law and the court can see at once that the point is misconceived the plaintiff is entitled to judgment .}{\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 If at first sight the point appears to be arguable but with relatively short argument can be shown to be plainly unsustainable the plaintiff is also entitled to judgment.}{
\i0\lang2057\langfe1033\langnp2057\insrsid6977239  }{\i0\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 But Ord 14 proceedings should not in my view be allowed to become a means for
 obtaining, in effect, an immediate trial of an action, which will be the case if the court lends itself to determining on Ord 14 applications points of law which may take hours or even days and the citation of many authorities before the court is in a po
sition to arrive at a final decision.\'94
\par }\pard\plain \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid4066275 
\par }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 In the light of all the evidence before me, it could not be shown to my satisfaction that there was no defence.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 After a careful review of all the evidence and the very helpful submissions of both counsel }{\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 it is ordered}{
\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442  that there be a full hearing of the action.
\par 
\par Both counsel are directed to apply for hearing of the writ action within 14 days and for directions.}{\lang2057\langfe1033\langnp2057\insrsid6977239  }{\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 
No doubt counsel will be able to use the written legal submissions already before the court as this will shorten the hearing.
\par 
\par Therefore the summons for summary judgment is dismissed.
\par 
\par The costs are reserved until the hearing and determination of the action.
\par 
\par }\pard \qc \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6977239 {\b\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 D. Pathik
\par }{\b\ul\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 Judge
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6977239 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid12205442 At Suva
\par }\pard \ql \li0\ri0\widctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12205442 {\lang2057\langfe1033\langnp2057\insrsid5645481\charrsid6977239 19 May 2004
\par }}