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{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
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{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
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{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
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{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
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{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
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\hres0\chhres0 \fi-360\li8760\lin8760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
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\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \b0\i0\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2880\lin2880 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703
\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li5040\lin5040 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703
\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713
\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li6480\lin6480 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698715
\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li7200\lin7200 }{\listname ;}\listid251471816}{\list\listtemplateid-1010429990\listhybrid{\listlevel\levelnfc3\levelnfcn3\leveljc0\leveljcn0\levelfollow0\levelstartat1
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\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1
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\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1
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\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li6840\lin6840 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li7560\lin7560 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1
\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li8280\lin8280 }{\listname ;}\listid258216892}{\list\listtemplateid1191103816\listhybrid{\listlevel
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\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel\levelnfc2
\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2880\lin2880 }{\listlevel\levelnfc0
\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc4
\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc2
\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li5040\lin5040 }{\listlevel\levelnfc0
\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc4
\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li6480\lin6480 }{\listlevel\levelnfc2
\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li7200\lin7200 }{\listname 
;}\listid293174952}{\list\listtemplateid-1312932218\listhybrid{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid-865813058\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 
\ltrch\fcs0 \fbias0\hres0\chhres0 \fi-720\li1800\lin1800 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2880\lin2880 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134159\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li5040\lin5040 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134159\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li6480\lin6480 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 
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{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1647\lin1647 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2367\lin2367 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134159\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3087\lin3087 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134169\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3807\lin3807 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134171\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li4527\lin4527 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134159\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5247\lin5247 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134169\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5967\lin5967 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134171\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li6687\lin6687 }{\listname ;}\listid409080937}{\list\listtemplateid-476132590\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0
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\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2
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\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li3960\lin3960 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
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{\list\listtemplateid650410668\listhybrid{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid921311346\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
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{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li3240\lin3240 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
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\fi-360\li3960\lin3960 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 
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{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1440\lin1440 }
{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2160\lin2160 }
{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134159\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2880\lin2880 }
{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134169\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3600\lin3600 }
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\fi-360\li5040\jclisttab\tx5040\lin5040 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 
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\fi-360\li6480\jclisttab\tx6480\lin6480 }{\listname ;}\listid1832017304}{\list\listtemplateid1959152920{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}
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\af0 \ltrch\fcs0 \hres0\chhres0 \fi-1080\li2520\lin2520 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext\'0b\'00.\'01.\'02.\'03.\'04.\'05;}{\levelnumbers
\'01\'03\'05\'07\'09\'0b;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-1080\li2880\lin2880 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0\levelindent0{\leveltext
\'0d\'00.\'01.\'02.\'03.\'04.\'05.\'06;}{\levelnumbers\'01\'03\'05\'07\'09\'0b\'0d;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-1440\li3600\lin3600 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levellegal\levelspace0
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;}\listid1871214323}{\list\listtemplateid-575260772\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698705\'02\'00);}{\levelnumbers\'01;}\rtlch\fcs1 \af0 
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{\leveltext\leveltemplateid336134169\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134159\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134169\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134171\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134159\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134169\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0
{\leveltext\leveltemplateid336134171\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li6480\lin6480 }{\listname ;}\listid1946305189}{\list\listtemplateid-1166237844\listhybrid{\listlevel\levelnfc3\levelnfcn3\leveljc0
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{\title Civil Action No. 300 of 2009 : Aarkay Motors Limited v Dominion Insurance Limited}{\author theresa.manoa}{\operator raikatalau_l}{\creatim\yr2015\mo3\dy2\hr17\min17}{\revtim\yr2015\mo3\dy3\hr15\min19}{\printim\yr2015\mo2\dy25\hr12\min50}
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\hich\af0\dbch\af31505\loch\f0 Fiji
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\hich\af0\dbch\af31505\loch\f0 Aarkay Motors Limited}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2492136\charrsid6178178 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5646923\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2035517 
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\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8460899\charrsid5399806 
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\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid14634732 \hich\af0\dbch\af31505\loch\f0 Appearances:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  M}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8661769\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 r S}{
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\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 for the plaintiff
\par }\pard\plain \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 M}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14634004\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 rA.K. Narayan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 for the defendant 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid14634732 \hich\af0\dbch\af31505\loch\f0 Date}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10183019\charrsid14634732 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid14634732 
\hich\af0\dbch\af31505\loch\f0  of hearing:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8661769\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\super\langnp2057\insrsid2305915\charrsid14634732 \hich\af0\dbch\af31505\loch\f0 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14634732 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8661769\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2236987\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 23}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 rd}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8661769\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 May}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ,2013

\par }\pard\plain \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 
\par }\pard \ltrpar\s21\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid14634732 
\hich\af0\dbch\af31505\loch\f0 JUDGMENT
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10183019\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 1.\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10183019\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8585259\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14427498\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , a company engaged in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15809722\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14299105\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 fabrication and repair of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14427498\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 motor vehicle}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6429158\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 had taken out a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15936022\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 public liability }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 insurance }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid993996\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 with the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9190224\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7034365\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 fire occurred at the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8585259\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 plaint}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8585259\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ff}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8585259\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  premises}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12993389\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  destroying}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1015539\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 properties of the plaintiff and third parties}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2968551\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4422668\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 plaintiff notified the defendant of the loss and damage to its customer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4422668\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s vehicles. The }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8920713\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4676262\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 declined to meet the claim relying on an exclusion clause in the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6429158\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14299105\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
he plaintiff se}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6429158\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14299105\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ks a declaration that the defendant is liable to indemnify the plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1015539\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 against liability under the policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14299105\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7694915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14299105\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  loss and damage }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10034256\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 to prope\hich\af0\dbch\af31505\loch\f0 rty belonging to third parties to the limit of $ 250,000.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10360407\charrsid5399806 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9190224\charrsid5399806 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 2.\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The statement of claim
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3228283\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 2.1\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3228283\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14634004\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 statement of claim }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14299105\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 recite}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14634004\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
s that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6762901\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9190224\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 insured }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6762901\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
the plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9190224\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 against liability arising from accidents }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9190224\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
in connection with the business}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1247277\charrsid5399806 ..}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6762901\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 in respect of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9190224\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 accidental death or bodily injury o}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3877932\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 f any person and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1247277\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 accidental }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3877932\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 loss of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1247277\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3877932\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
damage to property}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14099263\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 for $250,000.00. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6890101\charrsid6178178 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14099263\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 2.2\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14099263\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 On 7thFebruary,2009,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6890101\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  a fire occurred at the plaintiff}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6890101\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s premises }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7694915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 during the period of the policy,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6890101\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  destroy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7694915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ing}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1735357\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 all}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16711996\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 its }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7694915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 property}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1267479\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1267479\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1735357\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1267479\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 clu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1735357\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1267479\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ing}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1735357\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  property}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7694915\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  belonging to third parties}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6890101\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14099263\charrsid6178178 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 2.3\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The defendant denied liability stating that loss and damage was excluded under clause 3(a) of the policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4064415\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  which provided that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4064415\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 indemnity in the policy shall not apply to or include..liability in respect of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4064415\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
loss or damage to property belonging to or held under a hire purchase agreement...or in the charge or under the control of the insured or any servant or agent of the insured whilst in the ordinary course of his duties..}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 2.4\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s employee Vikash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7366942\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 assured the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1247277\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 that the policy covere}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7694915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  loss or dam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3877932\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ge to vehicles }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8482210\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 brought to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 the plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14882439\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 by its customers, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14819109\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 for repair.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7366942\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  T
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8482210\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 defendant is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16274182\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 stopped from relying on the exclusion}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7366942\charrsid5399806 ,}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  by reason of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8798395\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8479394\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
assurances made}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8479394 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid16274182\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 2.5\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16274182\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Al}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3877932\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16274182\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ernatively,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16274182\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 he plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1591076\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 pl}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7366942\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1591076\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ad}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7366942\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8798395\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7366942\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (i) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
the exclusion does not apply}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8482210\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  as the loss or damage occurred outside normal working hours}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2849450\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  and}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1591076\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2849450\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  ordinary course of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2849450\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 its}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 duties}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7366942\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , and (ii) t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 he exclusion clause is void for ambiguity and sho}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 uld be i
\hich\af0\dbch\af31505\loch\f0 nterpreted against the d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7823733\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 efendant.
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9646166\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 3.\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The statement of defence
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The defendant, in its statement of defence, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14966924\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 states that the p}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 laintiff was in default of payment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10906359\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  of the premium due on the policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15991586\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15991586\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 admits that its employee, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15991586\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 explained the terms of the cover to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14966924\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 the p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 laintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s representative }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15991586\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 and informed him }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 that the policy excluded cover for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1267479\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 loss}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7953546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 third party property.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14966924\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  The d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 efendant declined to pay as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10906359\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 loss is excluded under clause 3(a) of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 .
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12063433\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 4.\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The reply\hich\af0\dbch\af31505\loch\f0  to defence
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The plaintiff denies that it was in default of payment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10559713\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  of its premium}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15991586\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5849096\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5849096\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 notes}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5849096\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15991586\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 admissions in the statement of defence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11148093\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , and maintains its claim.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14107837\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5.\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The hearing
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10559713\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5.1\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10559713\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4475797\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4475797\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Rajendra Chauhan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12612180\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Managing D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12612180\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 irector of the plaintiff company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4475797\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12612180\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 testified }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14159075\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15145211\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5973676\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 he repairs of his customer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5973676\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s vehicles were completed and ready for delivery, when they }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2968551\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 were destroyed in a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14159075\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 fire}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8223636\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 on 7th February,2009}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14159075\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 At th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14882439\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  time}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14882439\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  of the fire}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5334065\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5334065\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14882439\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
motor vehicle,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 fire and hurricane,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 worker}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s compensation and public liability insurance cover with the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14882439\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8926722\charrsid6178178 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14159075\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 He shifted from his earlier insurers,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14159075\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 New India }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2849450\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 As}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14159075\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 surance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4071952\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  to the defendant company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the defendant gave }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15145211\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15145211\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
more business}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 and he had a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8475825\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 very }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 good relationship with Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  Kumar, an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  underwriter of the defendant company. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid6178178 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash visited his office with }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid531621\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 his colleague }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Benjamin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7237835\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid531621\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 He }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3414956\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 discussed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid531621\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 matters pertaining to the providing of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 business insurance policies }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1906741\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid531621\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1906741\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 r}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid531621\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  his building}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , motor vehicle and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7609893\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 third party property}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3414956\charrsid5399806 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8130780\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5334065\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 said that he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4459503\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4459503\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 k}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10821400\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4459503\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  Vikash, whether vehicles belonging to third parties were covered}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 by the public liability policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1906741\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , if an accident occurs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4459503\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . He informed Vikash of two incidents}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  that occurred in his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 workshop}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  during the period of his\hich\af0\dbch\af31505\loch\f0  prior insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . In the first instance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4459503\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4459503\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 vehicle }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
got damaged when it fe}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4459503\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ll }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11950352\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 from the ramp}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 and }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in the other, a vehicle was caught up in flames}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11950352\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 told him not to worry,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 everything }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s covered}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  by}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 general public liability}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11562264\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 called his wife to his office, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 when}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11562264\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 the discussion}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 commence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11562264\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 At the end of the discussion, }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he gave }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15667974\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a copy of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7105249\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 N}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ew India Assurance policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16459485\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s request}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 . Vikash said that he will look into it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4064415\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 meet}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 his requirements}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11887878 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash had a copy of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15667974\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 h}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15667974\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Singh, counsel for the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2447192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 pl}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2447192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 nt}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2447192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 iff}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8138444\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  queried whether the terms of the policy were explained to him. His answer was in the negative. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9901600\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 said that he d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4000881\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 id }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9901600\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 not read the policy. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7237835 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Application to amend }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
statement of claim
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7237835\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 At this stage, Mr Narayan, counsel for the defendant objected to this line of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 questioning}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13635724\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  on the ground that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  qu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 stion}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 posed is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  outside the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2163022\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 scope of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
pleadings and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13635724\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 agreed issues recorded at the PTC.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4000881\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 now}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 being }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4000881\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 allege}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4000881\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 that the policy was not read and explained to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15667974\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , when }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2163022\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
non est factum}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2163022\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s not pleaded.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4000881 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Singh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13635724\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s riposte}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13635724\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 was }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3080885\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 at }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 paragraph 6 (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12320791\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5068459\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 of the statement of defence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2163022\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 dmit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2163022\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2447192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  that the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2447192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s employee,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2447192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Vikash explained the terms of the cover to the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2447192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s representative. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid67976\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid67976\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10492525\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  reply to defence maintains that the defendant gave assurances to the plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Singh}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
submitted}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  that t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 issue }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12478831\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 raised in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2818865\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 stateme}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15552405\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 nt of defence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2818865\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7237835 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10492525\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Naraya}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2818865\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 n, in reply, submitted that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12743231\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 paragraph 6 (a) of the defence, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10492525\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 has been admitted in the }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid67976\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 reply to defence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 T}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid67976\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11759219\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 had not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9852367\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
joined issue }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 with the defendant on that averment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2818865\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10492525 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10492525\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Singh then sought leave to amend his statement of claim.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  He }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid460237\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 moved t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5534454\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 hat the trial be adjourned}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2163022\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  in the interest of justice,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5534454\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 n }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5534454\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 terms of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Or 35,r 3. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7752752 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2818865\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Narayan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  opposed the application.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7752752\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  He submitted that the proposed amendment s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 hould have been foreseen before}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7752752\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 hand, not at the hearing.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 I }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7752752\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 upheld Mr Narayan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7752752\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s objection. I }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 declined the application }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 for an adjournment and leave t}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2818865\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 o amend the statement of claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15798662\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9857343\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 My reading}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9857343\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
the statement of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2818865\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12066775\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 oint}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4064415\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed to an action founde}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12066775\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d on misrepresentation}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15798662\charrsid5399806 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4064415\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 T}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7752752\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he plaintiff was seeking to introduce a new cause of action, v\hich\af0\dbch\af31505\loch\f0 
iz,that the policy was not read and explained to the plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10492525 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1, continuing his evidence }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in chief }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13566516\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid207523\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash had explained }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13369817\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 that everything was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13369817\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 under control}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13369817\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . He accepted Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s assurances}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13369817\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , as he was a good friend of his.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4475797 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 said the he received claims fr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 om five customers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  The claims were produced.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8130780\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 B}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13503269\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 y letter of 3rd April,2009, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8130780\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13503269\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  informed the defendant of the loss. The defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 cl}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed the claim,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13503269\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  citing the exclusion clause}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  in the policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid161874\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 PW1 said that he cannot understand that clause. Vikash did not tell him about that clause. He would not have purchased the policy, if he was aware of th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e exclusion}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4616200\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  Mr }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid67976\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Singh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  mark}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8983203\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 for identification,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4616200\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  a print}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8983203\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 out}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4616200\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 from the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 
'}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4616200\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s website.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15881626\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 The witness was requested to read it.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10559713 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 In cross-examination, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 said}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 there were }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 20 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
vehicles of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 customers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 he workshop}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2105297\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . Some were under repair, while }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2105297\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 other}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10381192\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  vehicle}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2105297\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 s were ready and awaiting payment. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12604795\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2105297\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 documents were burnt, so he could not establish}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  the number of vehicles waiting for insurance approval}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2105297\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
When asked if he attempted to get copies of documents from his customers, he said}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3806010\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  that they did not come back nor}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2105297\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  make a claim.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 agreed that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5858684\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5858684\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 plaintiff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 is seeking an order }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5858684\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13566516\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  be reimbursed by the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5858684\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  in respect of}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  claims made}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  by some of his customers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1077499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It transpired that the plaintiff had not paid}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  damages to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5858684\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 any of its}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 customers}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8983203\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 He said that f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ive }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13566516\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 customers}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 viz Nasa Tavaga,(DV701),Jione Cama,(EP 819),V.K.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Rattan,(KSSL) J.Kirton,(DA 829) and Avinesh Mani,(AL974)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13566516\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8983203\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 forwarded written}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8983203\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4732117\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4732117\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 e plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8983203\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 The claims were produced. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 said that h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4732117\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 e was unaware }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 whether}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4732117\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10973100\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ir}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4732117\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  vehicles were insured}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
its owners }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3806010\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 received payments from their insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4732117\charrsid5399806 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Many }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10316370\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 of the other }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 vehicles }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
were insured and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the owners }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 recovered from their insurance,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3806010\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5858684\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (PW1)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 did }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2760045\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 from the defendant company,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in respect of }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid69169\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 his veh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4403579\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 icle DH 198. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14242110 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10973100\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 In the course of his cross-examination, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10045942\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10973100\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 explained that it was the practice of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4418683\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8335402\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ustomers }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4418683\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 to}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8335402\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 le}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3806010\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ave}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8335402\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  their cars with the keys}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4418683\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 , in the carpark}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1329619\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . He }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4418683\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 or his workmen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8335402\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 would move it to the workshop}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4418683 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Narayan asked PW1, if he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 told Vikash that he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 would be happy if the defendant had given him a policy that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 matched}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  the New India Assurance policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1467239\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  said that he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 could}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 say so}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  as he had not gone through }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 the policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  and did not understand it. B}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ut }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  happy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  with the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
pric}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6714928\charrsid5399806 .}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 He changed from New\hich\af0\dbch\af31505\loch\f0  India}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Assurance, since Vikash gave him business and his friend at New India}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Assurance had migrated. I}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4418683\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  both cases, he did not get broker}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s advice.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash said that he could give a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 better explanation, better service and better everything}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13373489 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 said that he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 gave a copy of th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e New India}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Assurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  policy to Vikash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 He discuss}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6357208\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  th}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6434012\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 at}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6357208\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 olicy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6357208\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 with him}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4614199\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Benjamin was present.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It transpired that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6714928\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 New India Assurance }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2718734\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4000881\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 olicy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11611767\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
was identical to the policy issued b}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4614199\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 y the defendant. It contained the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 same}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4614199\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 exclusion clause}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1247277\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16542092\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6714928\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It transpired that the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6714928\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
s solicitors had by their letter of 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6714928\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
June,2009, informed the previous solicitors for the defendant that their client had a similar policy with New India Assurance, and the cover was discussed with Vikas\hich\af0\dbch\af31505\loch\f0 
h before the plaintiff took out the policy with the defendant.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2718734\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 A similar exclusion clause was contained in page 2 of the New India Assurance policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6714928 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 In 2004, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8330794\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 when }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10169118\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8330794\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 car on his ramp w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10169118\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8330794\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  damaged }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10169118\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
and another ignited}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8330794\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 New India Assurance honour\hich\af0\dbch\af31505\loch\f0 
ed their claim. All copies of documents as regards that claim were destroyed.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1329619\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 He informed Vikash of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10169118\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 two }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1329619\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 incident}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10169118\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1329619\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
and was assured that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10169118\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 such accidents }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1329619\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 would be covered.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1015076\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 He }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14180005\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 di}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1015076\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d not told the defendant that New India Assurance had paid the claim}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8330794 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It was put to him that Vikash told him that the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s policy was }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 very }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 similar to that of New India Assurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 with a similar exclusion clause}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 here was no discussion with Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  as regards }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4418683\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
property of third parties}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s rep}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 lied}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  that Vikash said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ev\hich\af0\dbch\af31505\loch\f0 erything was taken care of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 .. there was not much discussion}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  It was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 also }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 put to him that he never discussed the incident of a car falling from the ramp}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  with Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
. PW1 vehemently stated that he did}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
assured him }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 100%}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6701777\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  that it was covered.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  PW1 explained that he was an ordinary mechanic, not an educated person}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . He }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 was guided by an officer from New India Assurance and later}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12273431\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  Vikash}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9514801 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11667493\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Narayan asked PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13716927\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11667493\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 if he reads documents. He said that he is not so educated. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 When he takes a loan from a Bank, h}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11667493\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e only looks at the interest component and numericals. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13716927\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 H}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11667493\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
e has no problem in reading English, but did not bother to read it nor download the defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11667493\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s website. He obtained the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11667493\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Policy Description}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12779851\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  from the defendant on 25th February,2009, after the fire}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4094258\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  had occurred}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12779851\charrsid5399806 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11667493 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11680499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 In re-examination,PW1 confirmed that he did not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10316370\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 go through }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11680499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
the New India Assurance policy with Vikash. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7953546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 All vehicles are }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 re}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7953546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 pa}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7953546\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 red in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 workshop}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7953546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . The responsibility for any damage or \hich\af0\dbch\af31505\loch\f0 
burglary lies with the customer, not the plaintiff. The fire destroyed all his documents, including his soft copies in his computer. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11680499\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 He concluded that he expected }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7953546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
the defendant to provide coverage for third party vehicles, as New India Assurance did. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4614199 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10559713\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5.2\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10559713\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 PW2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9832322\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ,(a Director and Administrative Officer of the plaintiff company) }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in her evidence, said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9832322\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 that she was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9832322\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  at}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9832322\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 endance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9832322\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , when Vikash came}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  to their office}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9832322\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid945546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Her husband, (PW1) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10316370\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 wanted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 her }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10316370\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 to give Vikash a copy of the policy. PW1 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid945546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 informed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9832322\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Vikash that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid945546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 third party vehicles}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid945546\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 re covered }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 under}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid945546\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  the existing New India Assurance policy. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash said everything was covered. PW1 }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3671371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 relat}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 ed two accidents that had occurred at their garage.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid6178178 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5.3\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid945546\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 In cross-examination,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10765499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  PW2 said that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid949210\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 had given her the New India Assurance policy to file. S}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10765499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 r}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10765499\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
ead the first page of the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  She did not know the differences between }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 defendant
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4477208\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 and th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2575202\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
at of New India Assurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . She said PW1 had mentioned specific instances to Vikash, when min
\hich\af0\dbch\af31505\loch\f0 or accidents had occurred}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  in their workshop. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vikash assured him that everything was covered under th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid949210\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 eir policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586043\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  It was put to her th\hich\af0\dbch\af31505\loch\f0 
at Vikash had not said that the defendant would provide general cover. She said he did. She gave Vikash the premium page of the New India Assurance policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid945546 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid10559713\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5.4\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10559713\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 DW}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11150772\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 (Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  Kumar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , Claims Ma}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11150772\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
nager of the defendant company)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 said that the defendant had a busines\hich\af0\dbch\af31505\loch\f0 
s relationship with the plaintiff. The defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 continues to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 give }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
business to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Until 2009, the defendant provided insurance cover to the plaintiff for fire, workmen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s compensation and public liability. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 PW1 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11150772\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 requested}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15492957\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  a copy of the insurance policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11150772\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  from h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 im, as he had lost all his documents in the fire}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10559713\charrsid6178178 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5.5\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11756930\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 He recounted that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in July,2008, he went with his u}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11756930\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 nde}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 rwriting }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11756930\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 officer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11756930\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  Benjamin to the plaintiff}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11756930\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
s office and d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 iscusse}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11756930\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
various types of business insurance policies}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13897621\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  his company could provide}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11756930\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid747217\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
PW1 told him that he had a policy with New India Assurance and would like to change for a similar cover.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 DW denied that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2054489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  PW1 gave him a copy of his New India Assurance policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  H}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e did n
\hich\af0\dbch\af31505\loch\f0 ot want to see the policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2124194\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . It was not relevant.PW}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 1 showed him a copy of his policy schedule setting out the sum insured.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7608181\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 wanted a policy to cover general liability.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1321151\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
said that he did not tell PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  that it would cover every third party loss or damage. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2054489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 In answer to Mr Narayan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2054489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s question whether he told him that there were restrictions and limitations, h}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2054489\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 said that he advised him that the policy provides for general liability, subject to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 limitations a\hich\af0\dbch\af31505\loch\f0 nd exclusions. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2054489\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
He took a specimen form and explained the coverage to PW1.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2054489 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1 did not inform him that a vehicle caught fire and that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
damage was covered by h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3628949\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 is prior}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15551534\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5401416\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  said that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15551534\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the defendant provided }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5401416\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5401416\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 standard policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15551534\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 . Exclusion 3 (a) is contained in all public liability policies. It covers general liability which is not in the charge or control of the insured.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5401416 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mr Singh put}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4477208\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 it }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 to }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 that he knew the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4477208\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 nature of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s business}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  PW1 relied on his advice. It was also put to him that it is relevant to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 advise }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4477208\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 an}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 insurer what is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 covered as well as what is exclude}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15282139\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2124194\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  said that he did not consider it relevant to advice PW1 that all third party vehicles were not covered. He said that 
\hich\af0\dbch\af31505\loch\f0 he did not tell PW1 that the policy covered loss and damage to client}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s vehicles. He maintained that he did not inform PW1 nor PW2 that the policy would cover all damage. It was not an }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 open blanket}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 . It was subject to exclusions.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 n cross-examination}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 said that he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  had been dealing with the plaintiff for 15 years}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15551534\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , giving them business worth thousands of dollars each month}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3628949\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
His colleague }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Benjamin had migrated. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11889141\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It emerged that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 DW did not have a copy of the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 proposal. He said that it was in his office. He did not think it was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11889141\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 important}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11889141\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 and would}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10901990\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  be discussed. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11889141\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Mr Singh put it to the witness that the proposal form would contain the client}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11889141\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s requirements. DW}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11889141\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 disagreed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4547060\charrsid5399806 
.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10901990 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10901990\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Next,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11760542\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW was questioned on the defendants }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11760542\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s website. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It was created in 2007. The website contains copies of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 proposal form and standard policy with the limitations and exclusions relied on.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 T}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he home }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15221818\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11760542\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 age }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 of the website }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11760542\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 covers loss and damage to property of third parties.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11760542\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 The general outlook protects liab}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3608473\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 ility and property damage to th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11760542\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ird parties. DW said that the website contained }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11760542\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 just information}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3608473\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , not the policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  contract}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3608473\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . It was put to him that the representation in the website was false. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 He admitted that the advertisem\hich\af0\dbch\af31505\loch\f0 ent in the website }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 provides that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3608473\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  third party property}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  was covered under }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 general liability}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3608473\charrsid5399806 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  He said what was excluded was third party property not in the care and control o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 the insured.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  Finally, it was put to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 that the plaintiff contends that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1586954\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 re}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 presentation he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 made }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 to PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 same }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13190553\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 representation contained in the website.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2520284\charrsid5399806 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9646166\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9646166\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The determination
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid7363306\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.1\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7363306\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The plaintiff claims indemnity in terms of a public liability insurance }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10366266\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 policy }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7363306\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 effected with the defendant.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7363306\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 T}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3365874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he policy }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7363306\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 provided an indemnity }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3365874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7363306\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
respect of all sums which the Insured shall become legally liable to pay consequent upon Property damage..}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12348369\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
and in connection with the business}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7363306\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7363306 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4676262\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.2\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4676262\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 On}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4094258\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the night of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1591076\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
7th February,2009}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4676262\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , a fire occur}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6238034\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 r}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4331410\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4676262\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  at the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4676262\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s garage}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6229577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
The agreed facts provide that some of t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6229577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 property of the p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6229577\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 laintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10167003\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 and third parties were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  damaged and/or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2690411\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 destroy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6229577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4676262\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3365874\charrsid6178178 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 

\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2124194\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.3\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2124194\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 In due course}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2124194\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  the plaintif}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3365874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
f made a claim under the policy,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12333799\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in force}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid72596\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12333799\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  at the time of the fire}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid8414854\charrsid5399806 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4090745\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  The defendant insurers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4090745\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 declined the claim relying upon exclusion c}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7288752\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 lause 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4090745\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  of}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6908821\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  the policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9073176\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , which takes away the coverage in specified circumstances}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid3426077\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6908821\charrsid6178178 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6229577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.4\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6229577\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The agreed issues for determination, as recorded at the pre-trial conference read:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6229577 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 1.\tab}}\pard\plain \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Whether damage to third party property is excluded from cover by virtue of 3(a) of the said policy?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 2.\tab}}\pard \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 
Whether the Defendant through its employee Vikash assured the Plaintiff that the said policy provided cover to loss or damage to vehicles belonging to third parties whilst the vehicles were with the Plaintiff for repair works?}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 3.\tab}}\pard \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 If the assurance in 3 abo\hich\af0\dbch\af31505\loch\f0 ve was given, did the Plaintiff purchase the policy upon reliance of the assurance of Vikash?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 4.\tab}}\pard \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 If the assurance in 3 above was given, is the Defendant stopped from relying on exclusion 3(a) of the Policy?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5.\tab}}\pard \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Whether the loss or damage occurred outside \hich\af0\dbch\af31505\loch\f0 
normal working hours and outside the ordinary course of duties of the Plaintiff, its servants and agents and the relevance of this to the issue of Interpretation of Exclusion 3(a) of the Policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.\tab}}\pard \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Whether the said exclusion 3(a) is ambiguous and if so sh\hich\af0\dbch\af31505\loch\f0 ould it be interpreted against the Defendant?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 7.\tab}}\pard \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Whether either party is entitled to costs and if so, on what basis?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.5\tab}}\pard\plain \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 The plaintiff }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10366266\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 posits }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 that PW1, its}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  Managing Director }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 was induced to purchase }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 a public liability }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 policy from the defendant, in reliance of assurances given by }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW(}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Vikash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , an }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
underwriter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  of the defendant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 company }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
that the policy covered loss or damage to vehicles belonging to third parties. This is denied by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DW}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.6\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  I do not find it necessary to go o\hich\af0\dbch\af31505\loch\f0 n to consider }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3019227\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 se}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3019227\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  issue}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s, in view}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3365874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 of }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12348369\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 crucial }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid16673130\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 vidence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12195960\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid16673130\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 unfold}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12195960\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
d in the course of the cross-examination }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 PW1,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
the principal witness for the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 . This }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 raise}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15552405\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15552405\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12466605\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  preliminary }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15552405\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 question}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 whether there is a live issue before me}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid545371\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  for determination}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11551131 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4547060\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.7\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4547060\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 schedule to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 statement of claim }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 lists}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  twenty vehicles belonging to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 customers }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 were }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 destroyed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  in the aftermath of the fire. The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 evidence revealed }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 that fifteen of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 them }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 had been paid by their own insurers.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13729772\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 T}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13729772\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 remaining}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12195960\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 five}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 have }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 made claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11086669\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11999041\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  but }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 none have been }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11999041\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 paid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11999041\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  plaintiff
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11999041\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
 PW1 sa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11999041\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 d that he is unaware whether any of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 m}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid12006947\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 have received monies }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid12195960\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 from their insurers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13729772\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6490441 

\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.8\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 reproduce an extract of PW1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s cross-examination: }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 

\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard\plain \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
Q. This list is not a list of people who made a claim against you.?
\par {\listtext\pard\plain\ltrpar \s22 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 A.\tab}}\pard \ltrpar
\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Not all. Only couple of them have made a claim to Aaarkay}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Motors}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 What you are seeking is a declaration that Dominion 
\par \hich\af0\dbch\af31505\loch\f0 Insurance Ltd reimburse you or pay you for only the claim that may have been made against you by some people of this list}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 ?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Yes}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Of 20, how many people have you paid out of list for damage suffered to their vehicles in your garage}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 ?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 .
\par \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 No one, I hav\hich\af0\dbch\af31505\loch\f0 e not paid to anybody}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 How many still ask you to pay out of this list?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\par \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5 customers.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Have not paid them anything yet}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 ?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\par \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 No.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Many of these customers were insured as well.?
\par \hich\af0\dbch\af31505\loch\f0 They were paid from their insurance companies.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 It is correct to say. Your own vehicles..suffered damages?.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (My vehicle)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  was insured.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 DH 983 and defendant paid insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Do you know whether the list of 5 were insured and paid}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
by their Insurance Company?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 .
\par \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 I do not know.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Do you know if in fact the 5 received payment from any other party re loss of fire?
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 I do not know if they received monies.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 All vehicles (20) were given}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 by insurers or owners gave vehicles}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 ?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 .
\par \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Yes, some for repairs, waiting for insurance, approval, \hich\af0\dbch\af31505\loch\f0 parts.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438 
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s22\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Q.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Many of them are regular customers?
\par \hich\af0\dbch\af31505\loch\f0 A.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Yes.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
(emphasis added)
\par }\pard \ltrpar\s22\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14504438\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4936821\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.9\tab}}\pard\plain \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4936821\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Significantly, n}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11101010\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 one of t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 he five }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10167003\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 cu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10167003\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 tomers}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10366266\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 were }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 called to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10366266\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 support their claims and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 establish that their vehicles were de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2305915\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 stroyed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
. PW1 said that he is unaware whether any of them have received monies from their insurers. Moreover, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10167003\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 non}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11101010\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10167003\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  of them }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 have pursued legal proceedings against the plaintiff. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15555236\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.10\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15555236\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 In order to be indemnified}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13188355\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15555236\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  aninsured must be legally liable to pay damages. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Item 1 of the policy provides that the defendant will indemnify the insured in respect of sums the insured }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
shall become legally liable to pay consequent upon Property damage..}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.11\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15555236\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t is axiomatic that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9593644\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in a contract of indemnity, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15555236\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4936821\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  policyholder}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  must es\hich\af0\dbch\af31505\loch\f0 tablish his actual loss}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6490441\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  As Chandra }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 J }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 declared }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  Jaswant Lal v The New India Assurance CoLtd,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid738165\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (Civil Appeal no. CBV0003 of 2013)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 ..}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
in a claim under an insurance policy the claimant is indemnifi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10366266\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 ed for the loss incurred by him..}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 to the satisfaction of the Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6490441 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.12\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 On this basic principle of insurance law,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14227776\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 would also }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 refer to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Halsbury, Laws of England, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Vol}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 25}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (4th Ed), para}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 which states:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6490441 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard\plain \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8261535\charrsid5399806 The principle of indemnity.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8261535\charrsid5399806 Most contracts of insurance belong to the general category of contracts of indemnity in the sense that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8261535\charrsid5399806 the insurer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8261535\charrsid5399806 s liability is limited to the actual loss which is in fa
ct proved. The happening of the event does not of itself entitle the assured to payment of the sum stipulated in the policy; the event must in fact result in a pecuniary loss to the assured}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8261535\charrsid5399806 , who then becomes entitled to be indemnified subject to the limita
tions of his contract. He cannot recover more than the sum insured, for that sum is all that he has stipulated for by his premiums and it fixes the maximum liability of the insurers. Even within that limit, however, he cannot recover more than what he est
ablishes to be the actual amount of his loss. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8261535\charrsid5399806 
The contract being one of indemnity, and of indemnity only, he can recover the actual amount of his loss and no more}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid8261535\charrsid5399806 
, whatever may have been his estimate of what his loss would be likely to be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874\charrsid5399806 \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (footnotes omitt\hich\af0\dbch\af31505\loch\f0 ed, emphasis added)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.13\tab}}\pard\plain \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 I}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 n my view, the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s complaint }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6623587\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 
of an academic character. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t best}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid10366266\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  it raises}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  hypothetical issue.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6623587\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  As Mr Narayan }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 state}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6490441\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , in his closing submissions,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6623587\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0  the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6490441\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Court is asked to declare that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 if}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 claims }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5332023\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 are }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 brought agains}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 t the plaintiff by third part}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11101010\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 ies, the defendant is liable to indemnify the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6490441\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.14\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\ilvl1\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 I conclude my judgment with a passage from }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Halsbury, Laws of England}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid7087555\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Vol 25(4th Ed),}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 which state}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 :}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5788874 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178\charrsid5399806 
\par }\pard \ltrpar\s21\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The power to make binding declar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid6623587\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 tions of right is a discretionary power, but the court will not generally determine academic or hypothetical questions}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (footnotes omitted)
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid11106305\charrsid5399806 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13188355\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 6.9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid13188355\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 In my }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid4873888\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 judgment, the plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4873888\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s action }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7996047\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 is misconceived and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4873888\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 fails.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid14841186\charrsid5399806 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9646166\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 7.\tab}}\pard \ltrpar
\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9646166\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 Orders 
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (a)\tab}}\pard \ltrpar
\s21\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin720\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 The plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5399806 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 s action is dismissed.
\par {\listtext\pard\plain\ltrpar \s21 \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 (b)\tab}\hich\af0\dbch\af31505\loch\f0 
The plaintiff shall pay the defendant $ 5000 as costs summarily assessed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid4873888\charrsid5399806 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid15599218\charrsid5399806 
\par }\pard \ltrpar\s21\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid1787534\charrsid5399806 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 \rtlch\fcs1 \af31507\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1033\loch\af31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2321835\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 25th}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid3426077\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Feb}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid2321835\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 r}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5077294\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 uary}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586408\charrsid5399806 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid7946577\charrsid5399806 \hich\af0\dbch\af31505\loch\f0  201}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid1787534\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid6178178 
\par 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6178178 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid10178592\charrsid5399806 
\hich\af0\dbch\af31505\loch\f0 A.L.B.Brito-}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid13586408\charrsid5399806 \hich\af0\dbch\af31505\loch\f0 Mutunayagam
\par \hich\af0\dbch\af31505\loch\f0 Judge
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