{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol{\*\falt Symbol};}{\f34\fbidi \froman\fcharset1\fprq2{\*\panose 02040503050406030204}Cambria Math;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times};}
{\f39\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\f40\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\f42\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\f43\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\f44\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\f45\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\f46\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\f47\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\f49\fbidi \fswiss\fcharset238\fprq2 Arial CE;}
{\f50\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\f52\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f53\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f54\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}
{\f55\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\f56\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f57\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}
{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}
{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\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};}{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}
{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times};}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}
{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}
{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}{\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};}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times};}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times};}
{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times};}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times};}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times};}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times};}
{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times};}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;
\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;}{\*\defchp 
\fs22\loch\af31506\hich\af31506\dbch\af31505 }{\*\defpap \ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\nowidctlpar\wrapdefault\faauto\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\loch\f0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 \snext0 \sqformat \spriority0 Normal;}{\*\cs10 \additive Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\trcbpat1\trcfpat1\tblind0\tblindtype3\tscellwidthfts0\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv \ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1033\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp1033\langfenp1033 
\snext11 \ssemihidden \sunhideused \sqformat Normal Table;}}{\*\listtable{\list\listtemplateid1118707746\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01D;}{\levelnumbers
;}\f1\fs21\expnd2\expndtw11\cgrid\hres0\chhres0 \fi-360\li648\jclisttab\tx648\lin648 }{\listname ;}\listid6203262}{\list\listtemplateid653970433\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360
\levelindent0{\leveltext\'01G;}{\levelnumbers;}\f1\fs21\expnd2\expndtw12\cgrid\hres0\chhres0 \fi-360\li648\jclisttab\tx648\lin648 }{\listname ;}\listid12152748}{\list\listtemplateid979094938\listsimple{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat2\levelspace432\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd1\expndtw8\cgrid\hres0\chhres0 \fi216\li144\jclisttab\tx792\lin144 }{\listname ;}\listid20873127}
{\list\listtemplateid932677315\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01E;}{\levelnumbers;}\f1\fs21\expnd2\expndtw14\cgrid\hres0\chhres0 \fi-360\li720
\jclisttab\tx720\lin720 }{\listname ;}\listid33464035}{\list\listtemplateid364694672\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01H;}{\levelnumbers;}
\f1\fs21\expnd2\expndtw12\cgrid\hres0\chhres0 \fi-360\li720\jclisttab\tx720\lin720 }{\listname ;}\listid103669099}{\list\listtemplateid840124039\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace792
\levelindent0{\leveltext\'01B;}{\levelnumbers;}\f1\fs21\expnd3\expndtw16\cgrid\hres0\chhres0 \fi-792\li1152\jclisttab\tx1152\lin1152 }{\listname ;}\listid109368523}{\list\listtemplateid618906428\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0
\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01\'b7;}{\levelnumbers;}\f3\fs21\expnd3\expndtw15\cgrid\hres0\chhres0 \fi-360\li720\jclisttab\tx720\lin720 }{\listname ;}\listid121153311}{\list\listtemplateid1716961853
\listsimple{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01g;}{\levelnumbers;}\f1\fs21\expnd2\expndtw11\cgrid\hres0\chhres0 \fi-360\li648\jclisttab\tx648\lin648 }{\listname 
;}\listid133869743}}{\*\listoverridetable{\listoverride\listid20873127\listoverridecount0\ls1}{\listoverride\listid20873127\listoverridecount1{\lfolevel\listoverrideformat{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0
\levelspace432\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \fs22\expnd2\expndtw14\cgrid \fi216\li144\jclisttab\tx792\lin144 }}\ls2}{\listoverride\listid20873127\listoverridecount1{\lfolevel\listoverrideformat
{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace432\levelindent0{\leveltext\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \ab\af0\afs22 \ltrch\fcs0 \b\fs22\expnd1\expndtw8\cgrid \fi216\li144\jclisttab\tx792\lin144 }}
\ls3}{\listoverride\listid109368523\listoverridecount0\ls4}{\listoverride\listid121153311\listoverridecount0\ls5}{\listoverride\listid33464035\listoverridecount0\ls6}{\listoverride\listid121153311\listoverridecount1{\lfolevel\listoverrideformat{\listlevel
\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01\'b7;}{\levelnumbers;}\f3\fs21\expnd2\expndtw13\cgrid \fi-360\li720\jclisttab\tx720\lin720 }}\ls7}{\listoverride\listid103669099
\listoverridecount0\ls8}{\listoverride\listid133869743\listoverridecount0\ls9}{\listoverride\listid6203262\listoverridecount0\ls10}{\listoverride\listid33464035\listoverridecount1{\lfolevel\listoverrideformat{\listlevel\levelnfc23\levelnfcn23\leveljc0
\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01E;}{\levelnumbers;}\f1\fs21\expnd2\expndtw12\cgrid \fi-360\li648\jclisttab\tx648\lin648 }}\ls11}{\listoverride\listid12152748\listoverridecount0\ls12}
{\listoverride\listid103669099\listoverridecount1{\lfolevel\listoverrideformat{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat0\levelspace360\levelindent0{\leveltext\'01H;}{\levelnumbers;}\f1\fs21\expnd2\expndtw13\cgrid 
\fi-360\li648\jclisttab\tx648\lin648 }}\ls13}}{\*\rsidtbl \rsid279242\rsid465929\rsid531884\rsid1003069\rsid1453911\rsid2376499\rsid2978451\rsid3611398\rsid3957789\rsid4141783\rsid4544888\rsid5401113\rsid5525410\rsid5657224\rsid6696593\rsid7213368
\rsid10301436\rsid10825830\rsid11614144\rsid11875712\rsid12746185\rsid13245451\rsid14246182\rsid14352466\rsid14440163\rsid15014466\rsid15275131\rsid15288259\rsid15869596\rsid16080098\rsid16607396}{\mmathPr\mmathFont34\mbrkBin0\mbrkBinSub0\msmallFrac0
\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\operator senikuraciri_r}{\creatim\yr2014\mo12\dy20\hr17\min4}{\revtim\yr2015\mo5\dy9\hr18\min14}{\version26}{\edmins236}{\nofpages8}{\nofwords4895}{\nofchars23388}
{\nofcharsws28227}{\vern32859}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}\paperw11907\paperh16839\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect 
\widowctrl\ftnbj\aenddoc\trackmoves1\trackformatting1\donotembedsysfont0\relyonvml0\donotembedlingdata1\grfdocevents0\validatexml0\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors0\noxlattoyen
\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dgmargin\dghspace100\dgvspace120\dghorigin1440\dgvorigin1440\dghshow0\dgvshow3
\jexpand\viewkind4\viewscale132\pgbrdrhead\pgbrdrfoot\ftnlytwnine\nolnhtadjtbl\useltbaln\alntblind\lytcalctblwd\lyttblrtgr\lnbrkrule\nobrkwrptbl\snaptogridincell\allowfieldendsel\ApplyBrkRules\asianbrkrule\rsidroot10825830\newtblstyruls\nogrowautofit 
\fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0\ltrpar \sectd \ltrsect\psz9\linex0\sectlinegrid272\sectdefaultcl\sectrsid5401113\sftnbj {\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang 
{\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang 
{\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}
\pard\plain \ltrpar\qr \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang1033\langfe1033\loch\af0\hich\af0\dbch\af31505\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11614144 \hich\af0\dbch\af31505\loch\f0 [1964] 10 FLR 178
\par }\pard \ltrpar\qc \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11614144 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid5401113\charrsid5401113 \hich\af0\dbch\af31505\loch\f0 SUPREME COURT OF FIJI
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113 
\par \hich\af0\dbch\af31505\loch\f0 Civil Jurisdiction
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid5657224\charrsid5401113 \hich\af0\dbch\af31505\loch\f0 RAMPATI
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid5657224\charrsid5401113 \hich\af0\dbch\af31505\loch\f0 QUEENSLAND INSURANCE CO. LTD.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 Mills-Owens C.J.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113 
\par 
\par \hich\af0\dbch\af31505\loch\f0 July }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 27th-3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113 \hich\af0\dbch\af31505\loch\f0 0th, August 25}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11614144 \hich\af0\dbch\af31505\loch\f0 th,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5401113 \hich\af0\dbch\af31505\loch\f0  1964}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5401113\charrsid15869596 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 Insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid15869596 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 
\hich\af0\dbch\af31505\loch\f0 fir\hich\af0\dbch\af31505\loch\f0 e policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 
\loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 
breach of condition for supply of particulars of claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \loch\af0\dbch\af31505\hich\f0 
\emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 
misrepresentations made orally in course of preparation of proposal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 
\loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 
"dash" in space for answer implying nothing to be disclosed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 
\loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 incorporation of 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid7213368\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 proposal in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 policy}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \loch\af0\dbch\af31505\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid279242 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 repudiation of lia\hich\af0\dbch\af31505\loch\f0 bility by insurance company.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7213368\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The plaintiff claimed on an insurance policy for dama\hich\af0\dbch\af31505\loch\f0 
ge to her premises, plant and furniture caused by fire. The defendant company relied upon defences (a) that the plaintiff was in breach of Condition 11 of the policy in that she had not forthwith given notice of the loss and had not, within fifteen days, 
\hich\af0\dbch\af31505\loch\f0 d\hich\af0\dbch\af31505\loch\f0 
elivered particulars in writing of the items damaged or destroyed, and (b) that the plaintiff had given false information in oral answers to two questions in the proposal viz. (i) whether she had ever had any property damaged or destroyed by fire and (ii)
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
whether she had ever had any insurance cancelled. The policy contained a proviso that the insurance was subject to the particulars in the proposal, which should be deemed inserted or furnished by the insured, and the proposal (}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 inter a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid15869596\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 l}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid15869596 \hich\af0\dbch\af31505\loch\f0 ia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 ) constituted the b\hich\af0\dbch\af31505\loch\f0 
asis of the insurance and formed part of the policy.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15869596\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid2376499 \hich\af0\dbch\af31505\loch\f0 Held}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0  \loch\af0\dbch\af31505\hich\f0 \endash 
\par 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
1. On the evidence, the requirement in Condition 11 that notice of the loss should be given forthwith had been complied with but the further requirement that particulars in writing be delivered}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6696593 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 wi\hich\af0\dbch\af31505\loch\f0 thin fifteen days had not.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6696593\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929 \hich\af0\dbch\af31505\loch\f0 2. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
The requirement of the delivery of such particulars had not been waived by the defendant company and it was therefore unnecessary to decide whether Condition 20 of the policy, which protected the defendant company against the
\hich\af0\dbch\af31505\loch\f0  consequences of waiver except in certain circumstances, could itself be waived.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929 
\par \hich\af0\dbch\af31505\loch\f0 3. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
On the evidence the defence succeeded on the ground of misrepresentations orally made by the plaintiff in answer to questions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 on both of the matters pleaded.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929 \hich\af0\dbch\af31505\loch\f0 4. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The fact \hich\af0\dbch\af31505\loch\f0 
that the space in the proposal provided for the answer to each of the questions was completed by a mark in the nature of a dash, and not by the word "No" could not avail the plaintiff, as the reasonable inference, accepted by the plaintiff by signing the 
\hich\af0\dbch\af31505\loch\f0 p\hich\af0\dbch\af31505\loch\f0 roposal, notwithstanding in the circumstances of the case her illiteracy, would be that there was nothing to be disclosed.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 5. That the proviso incorporating the proposal in the policy disposed of the question of whether the representations were made with 
\hich\af0\dbch\af31505\loch\f0 respect to a material fact or whether the representations became part of the contract as a term thereof.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 Cases referred to:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14440163 -
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0 Thomson }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0  Weems}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0  (1884) 9 App. Cas. 671}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14440163 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0 Dawsons Ltd. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0  Bonnin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  [1922] 2 AC 413; 128 LT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid465929 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14440163 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0 Glicksman }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0  Lancashire and General Ass\hich\af0\dbch\af31505\loch\f0 urance Co. Ltd.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 
 [1927] AC139; 136 LT 263}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14440163 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0 Newsholme Brothers }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0  Road Transport and General Insurance Co. Ltd.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  [1929] 2 KB 356; 141 LT}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 570}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14440163 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0 Welch }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0  Royal Exchange Assurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  [1939] 1 KB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid465929 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 294; [1938] 4 All ER 289}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14440163 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2376499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0 Marcovitch }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid465929 \hich\af0\dbch\af31505\loch\f0  Liverpool Victoria Friendly Soc\hich\af0\dbch\af31505\loch\f0 iety}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
 (1912) 28 TLR 188.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 Action on insurance policy to recover fire damage.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid2376499 \hich\af0\dbch\af31505\loch\f0 R. A. Kearsley\hich\af0\dbch\af31505\loch\f0  for plaintiff.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid2376499 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid2376499 \hich\af0\dbch\af31505\loch\f0 D. M. N. McFar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid2376499 \hich\af0\dbch\af31505\loch\f0 lane}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid465929 \hich\af0\dbch\af31505\loch\f0  for the defendant company.
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The facts sufficiently appear from the judgment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 MILLS-OWENS C.J.: [25th August, 1964]\hich\f0 \emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid465929\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The Plainti\hich\af0\dbch\af31505\loch\f0 \hich\f0 
ff was insured against fire with the Defendant Company under a policy of insurance current for the year commencing 17th January, 1962, in the aggregate sum of \'a3\loch\f0 
3,400. On the 27th December, 1962, in the early hours, a fire occurred in consequence of which \hich\af0\dbch\af31505\loch\f0 t\hich\af0\dbch\af31505\loch\f0 
he property insured was extensively damaged, if not destroyed. The Plaintiff now claims to recover under the Policy. The arbitration clause contained therein has not been resorted to by the parties. The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 property insured comprised a building used as a dwell\hich\af0\dbch\af31505\loch\f0 \hich\f0 
ing house and mill, machinery and plant therein, and household furniture and personal effects, the respective values of which were stated in the Policy to be \'a3\loch\f0 \hich\f0 2,450, \'a3\loch\f0 \hich\f0 550 and \'a3\loch\f0 
400, but the Policy is not a valued policy in the sense that these amounts are \hich\af0\dbch\af31505\loch\f0 r\hich\af0\dbch\af31505\loch\f0 
ecoverable without proof of the actual loss or damage sustained. The claim includes an item for stock-in-trade but it is clear that the Policy does not extend}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 thereto. It is agreed by counsel that in the event of liability being established then the matter\hich\af0\dbch\af31505\loch\f0 
 of ascertainment of the amount recoverable should be referred to the Registrar.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The first ground of defence is that the Plaintiff is in breach of Condition No. 11 of the Policy, which provides, inter alia\hich\f0 \emdash }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 "11. On the happening of any loss or damage the
\hich\af0\dbch\af31505\loch\f0  Insured shall forthwith give notice thereof to the Company, and shall within fifteen days after the loss or damage, or such further time as the Company may in writing allow in that behalf, deliver to the Company\hich\f0 
\emdash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }\pard \ltrpar\ql \li1440\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin1440\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 (a) A claim in writing for the loss and d
\hich\af0\dbch\af31505\loch\f0 amage containing as particular an account as may be reasonably practicable of all the several articles or items of property damaged or destroyed, and of the amount of the loss or damage thereto}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 respectively, having regard to their value at the time of the}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 loss or damage, not including profit of any kind.
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
No claim under this Policy shall be payable unless the terms of this condition have been complied with."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 There is an acute conflict of evidence as to the lodgment of the claim. According to the case for t\hich\af0\dbch\af31505\loch\f0 
he Plaintiff, the claim form, duly completed and sworn by her, was lodged by her and her son, Prem Singh, at the Defendant Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s Suva Office at about 2 p.m. on the day of the fire. It is not suggested that the claim form was then accompanied by the par\hich\af0\dbch\af31505\loch\f0 
ticulars required under Condition No. 11. The son says that he saw the Manager, Mr Quartermaine, and that he, having scrutinised the form, told him, first "This is alright" and then that he wanted to see their solicitor, Mr. Ramrakha, about the matter. Ac
\hich\af0\dbch\af31505\loch\f0 c\hich\af0\dbch\af31505\loch\f0 ording to their evidence, the Plaintiff and her son then went to fetch Mr. Ramrakha and brought him to Mr. Quartermaine}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
s office where a conversation ensued between Mr. Ramrakha and Mr. Quartermaine. Mr. Ramrakha corroborates them with respect to this meet\hich\af0\dbch\af31505\loch\f0 
ing having taken place but puts the time of the meeting as about 11.30 a.m. or 12 noon. He also corroborates the son as to what was then said. It is alleged that Mr. Quartermaine stated that they could take their time about sending in the necessary partic
\hich\af0\dbch\af31505\loch\f0 u\hich\af0\dbch\af31505\loch\f0 
lars and further that, in answer to a question by Mr. Ramrakha, he said that he regarded the claim as lodged. Mr Quartermaine categorically denies that any such conversation took place, or indeed that any such meeting took place. What happened, he says, i
\hich\af0\dbch\af31505\loch\f0 s\hich\af0\dbch\af31505\loch\f0  that on an occasion two or three days after the fire Mr. Ramrakha came hurriedly into his, Mr. Quartermaine}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s office and said that the claim was "not right". Mr. Quartermaine, as he says, then }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0 had the claim form on his desk}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  but it was still unfolded and h
\hich\af0\dbch\af31505\loch\f0 
e was not even in a position to say whether it had been completed. He was unaware how the form had been delivered to his office. In view of what Mr. Ramrakha then said he handed over the form, unopened, to him. According to the case for the Defendant Comp
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 
ny no effective claim was lodged until a claim form duly sworn and containing by annexure particulars of the items destroyed and their values was sent in with a letter written by Mr. Ramrakha to Mr. Gould, the Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s Assessor, on the 5th February, 1963.\hich\af0\dbch\af31505\loch\f0 
 As the 15 days allowed by the Company expired on the 11th January, without, as the Company say, any waiver or extension of time having been granted, the claim was out of time.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 It is accepted that the Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s officials were orally informed of the fire w\hich\af0\dbch\af31505\loch\f0 ithin a matter of hours on the day of the fire, when the Plaintif}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s son attended the Company}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
s office to report it and there saw first the Assistant Manager and then Mr. Quartermaine, but the Company contends that by virtue of Condition No. 21 written noti\hich\af0\dbch\af31505\loch\f0 
ce was required. According to the case for the Plaintiff, as appears above, a claim in writing, albeit without particulars at that stage, was lodged on the day of the fire an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 
\hich\af0\dbch\af31505\loch\f0 d, later in the day Mr. Quarter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 maine orally waived strict compliance with Conditio\hich\af0\dbch\af31505\loch\f0 
n No. 11 in so far as it required particulars to be delivered within 15 days. The Defendant Company relies upon the strict letter of Condition No. 11}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13245451 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 and contends that written notice was no given }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 forthwith}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 ; the claim form taken away by Mr. Ramrakha two o\hich\af0\dbch\af31505\loch\f0 
r three days after the fire, had not been delivered forthwith and as the Company says, when it was taken away it had not even been unfolded. As regards the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15288259 \hich\af0\dbch\af31505\loch\f0  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 alleged waiver or extension of time, the Company not only denies it but relies upon Condition No. 20\hich\af0\dbch\af31505\loch\f0  which provides:}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
"20. No provision or requirement of this Policy requiring any matter or thing to be done, or to be written or endorsed hereon, shall be deemed waived by reason of any alleged notice or waiver}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 which has not been expressly written or endors\hich\af0\dbch\af31505\loch\f0 
ed hereon; nor shall the Company be deemed to have waived any provision or condition of this Policy, or any forfeiture thereunder, by any requirement, act, or proceeding on its part relating to the appraisement of any alleged loss, unless such provision, 
\hich\af0\dbch\af31505\loch\f0 c\hich\af0\dbch\af31505\loch\f0 ondition, or forfeiture be expressly stated in writing to be waived by the Company."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
Pursuant to leave granted during the interlocutory stages of the action, the Defence was amended to plead further that the Plaintiff had given false information in oral a\hich\af0\dbch\af31505\loch\f0 
nswers to certain questions in the Proposal leading to the issue of the Insurance Policy. The Statement of Defence refers to this as a non-disclosure, but the facts pleaded, if established, clearly a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0 mount to (oral) false represent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 ations. Upon these grounds\hich\af0\dbch\af31505\loch\f0 
 the added plea sought to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 avoid the Policy}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
. By a further amendment allowed during the hearing, the alternative plea of repudiation of the claim was added.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The facts pleaded are that in answer to the question whether the Plaintiff had ever had any proper\hich\af0\dbch\af31505\loch\f0 
ty damaged or destroyed by fire, she answered in the negative when, in the preceding month, December,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 1961, she had had a motor car, insured with another company, the Southern Pacific Company, destroyed by fire; and that in answer to the question whether s\hich\af0\dbch\af31505\loch\f0 
he had ever had any insurance cancelled, she replied in the negative when in fact the property then about to be insured with the Defendant Company had previously been insured with the Southern Pacific Company and that Company had, on the very day of the P
\hich\af0\dbch\af31505\loch\f0 r\hich\af0\dbch\af31505\loch\f0 oposal made to the Defendant Company, cancelled}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
the insurance. It is admitted by the Plaintiff that she had previously made a claim in respect of the destruction of a motor car by fire but, as she says, when the question appearing in the Proposal was put t\hich\af0\dbch\af31505\loch\f0 
o her by the clerk of the Defendant Company, Mr. Vijay Lal, she informed him fully of that occurrence, and her case is that if the clerk chose to put a "dash" in the space provided for the answer to the question on the Proposal form it is not her responsi
\hich\af0\dbch\af31505\loch\f0 b\hich\af0\dbch\af31505\loch\f0 ility. She}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 
is illiterate and without knowledge of the English language, and, as she says, having answered truly, she merely affixed her thumb print to the Proposal as the clerk invited her to do. With regard to the question whether she had ever had any ins
\hich\af0\dbch\af31505\loch\f0 urance cancelled, the Plaintiff acknowledges that she had previously been insured with the Southern Pacific Company and that the policy had been cancelled}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4544888 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 that very day but, she says, it was she, not the Southern Pacific Company, who cancelled the policy. 
\hich\af0\dbch\af31505\loch\f0 Further, as she says, she disclosed this to the Defendant Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s clerk as he made out the Proposal for her to sign. Again, therefore, if the clerk chose to put a "dash"}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 in the space provided, rather than to insert her actual statement to him, it is not \hich\af0\dbch\af31505\loch\f0 
her responsibility. The evidence for the Defendant Company is that the Plaintiff orally answered }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 no}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0  to both questions, and therefore falsely, and the "dash" in the space provided in the form was, in the case of each question, intended to represent her ne\hich\af0\dbch\af31505\loch\f0 
gative answer; in fact, as the Defendant Company says, it was the Southern Pacific Company who cancelled the policy, not the Plaintiff.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The case involves not only a direct conflict of evidence on material facts but also a consideration of the provisions o\hich\af0\dbch\af31505\loch\f0 
f the Policy under which the present claim is made, in the context of the law applicable to fire insurance.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 As it appears to me, the opening provision of Condition No. 11 requiring immediate notice of the fire, was in fact complied with. Mr. Quartermaine 
\hich\af0\dbch\af31505\loch\f0 had been orally informed of the fire and had visited the scene on the day of the occurrence, and, on his evidence, a claim form was actually delivered to the Defendant Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16607396 \hich\af0\dbch\af31505\loch\f0 s office some}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 time within the next two or three days. Mr. Quartermaine could not \hich\af0\dbch\af31505\loch\f0 
say precisely when it was delivered and therefore could not contradict the evidence for the Plaintiff that it was delivered on the day of the fire. Accepting for the moment that Mr. Ramrakha did, as alleged on behalf of the Defendant Company, take away th
\hich\af0\dbch\af31505\loch\f0 e\hich\af0\dbch\af31505\loch\f0 
 form two or three days after the fire, and before Mr. Quartermaine had an opportunity to examine it, there was, in my view, no such unequivocal withdrawal or abandonment of the claim as to enable the Defendant Company to say that it failed or ceased to h
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 
ve effect as a simple notice of the occurrence in accordance with the conditions. Whether there was compliance with the requirement of the delivery of a particularised claim within the 15 days is a different matter, to which I shall advert later.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 Turning \hich\af0\dbch\af31505\loch\f0 
to the question of the alleged non-disclosure or misrepresentation in the Proposal, it is necessary to refer to other provisions of the Policy. First, there is Condition No. 1 to the effect that if there be any misrepresentation as to a material fact, or 
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 ny omission to state such a fact, the Company is not to be liable. Secondly, there is the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 proviso}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  prominently appearing on the face of the Policy, to the following effect:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
"PROVIDED ALWAYS that this Insurance shall at all times and under all circumstanc\hich\af0\dbch\af31505\loch\f0 
es be subject to the particulars in the Proposal for this Insurance (which shall in all cases be deemed to be inserted or furnished by the Insured), and to the Conditions and Stipulations printed on the back hereof, which Proposal, Conditions and Stipulat
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 ons constitute the basis of this Insurance, and are to be considered as relevant to and incorporated in and forming part of this Policy."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131\charrsid1003069 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
The implications of this provision are of considerable importance in more than one respect. First, it disposes entire\hich\af0\dbch\af31505\loch\f0 
ly of one question which commonly arises under the ordinary law of contract regarding false representations, namely whether the representation was made with respect to a material fact. In the presence of such a provision it is no longer a question whether
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 the representation is material in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
the sense that a prudent insurer would be affected, either in the taking of the risk or in the fixing of the premium, by knowledge of the particular fact with regard to which there has been a misrepresentation, if it had b\hich\af0\dbch\af31505\loch\f0 
een disclosed (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15275131 \hich\af0\dbch\af31505\loch\f0 Thomson }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid5657224\charrsid15275131 \hich\af0\dbch\af31505\loch\f0  Weems}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  (1884) 9 App.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 Cas. 683, 684) . Secondly, it disposes of the further question which}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
might arise in the case of an ordinary contract, namely whether the representation operated merely as an inducing factor, that is to say a fa\hich\af0\dbch\af31505\loch\f0 
ctor inducing the other party to enter into the contract, or, on the other hand, became part of the contract as a term thereof. Under}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15275131 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 the proviso the representation becomes, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid2978451 \hich\af0\dbch\af31505\loch\f0 pro tanto}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid2978451 \hich\af0\dbch\af31505\loch\f0 , contractual (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2978451\charrsid2978451 \hich\af0\dbch\af31505\loch\f0 Daw}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid2978451 \hich\af0\dbch\af31505\loch\f0 sons Ltd\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid2978451 \hich\af0\dbch\af31505\loch\f0  Bonnin }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2978451 \hich\af0\dbch\af31505\loch\f0 [1922] 2 AC}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0  413) . Thirdly, where t\hich\af0\dbch\af31505\loch\f0 
he Proposal is made the basis of the policy, the insurers are entitled, in the event of the inaccuracy of a representation or a non-disclosure, to repudiate liability under the policy, not merely to take steps to avoid it (Ibid., }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid5657224\charrsid12746185 \hich\af0\dbch\af31505\loch\f0 Glichsman}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid2978451 \hich\af0\dbch\af31505\loch\f0  Lancashire an\hich\af0\dbch\af31505\loch\f0 d General Company}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  [192}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2978451 \hich\af0\dbch\af31505\loch\f0 7] AC}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0  139; and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid2978451 \hich\af0\dbch\af31505\loch\f0 Thomson }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid2978451 \hich\af0\dbch\af31505\loch\f0  Weems}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0 (supra) ). }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 Four}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2978451 
\hich\af0\dbch\af31505\loch\f0 thly, in the face of such a pro}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
vision, it becomes unnecessary to consider whether an inaccurate statement or suppression of the truth was made fraudulently or innocently: (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid5525410 \hich\af0\dbch\af31505\loch\f0 
Thomson }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid5525410 \hich\af0\dbch\af31505\loch\f0  Weem\hich\af0\dbch\af31505\loch\f0 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  (supra) at p. 689; 22 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid12746185 \hich\af0\dbch\af31505\loch\f0 Halsbury}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
 para. 371) . Fifthly, the words appearing in parenthesis in the proviso in question, namely " (which shall in all cases be deemed to be inserted or furnished by the Insured)", must go some way to dispose of any suggestion t\hich\af0\dbch\af31505\loch\f0 
hat responsibility for the completion of the Proposal rests}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
on the insurer: (22 Halsbury, paras. 386-387) .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 The Plaintif}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s account in her evidence of the manner in which her previous policy with the Southern Pacific Company came to be cancelled was as fol\hich\af0\dbch\af31505\loch\f0 
lows: She asked a friend and neighbour, Inderjit Singh, to accompany her to the Defendant Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s office for the express purpose of herself cancelling the policy. Her reason for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 doing so was that that Company had refused to make a payment, or was delayin\hich\af0\dbch\af31505\loch\f0 
g payment, to her son, Prem Singh, in respect of personal injuries caused to him by the driver of a motor vehicle who was insured against third party risks with the Company. It is a fact that the son had sustained such an accident and that a claim had bee
\hich\af0\dbch\af31505\loch\f0 n\hich\af0\dbch\af31505\loch\f0  made against the driver, and that for some reason the Company had not made payment although some 12 months had elapsed since the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4544888 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 accident; a settlement was not arrived at with the son until some months after the cancellation of the Plaintif}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s fire policy \hich\af0\dbch\af31505\loch\f0 
with the Company. Inderjit Singh purported to corroborate a number of visits paid by the Plaintiff to the Southern Pacific Company when, as he and the Plaintiff say, the Plaintiff was insisting upon cancellation of her fire policy and eventually this was 
\hich\af0\dbch\af31505\loch\f0 a\hich\af0\dbch\af31505\loch\f0 ccepted by the Southern}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 
Pacific Company and she was repaid part of the premium in respect of the unexpired period. But the evidence of Mr. Rolls, the Manager of the Southern Pacific Company, and of its clerk, Mr. Ram Shankar, was to an entirely different e
\hich\af0\dbch\af31505\loch\f0 
ffect, namely that it was the Company and not the Plaintiff who had cancelled the policy. Mr. Rolls deposed that when the Plaintiff made her claim in respect of destruction of the motor car in December, 1961, he made it his business shortly}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 after to go and\hich\af0\dbch\af31505\loch\f0 
 examine the house property insured with his Company by the Plaintiff, and having done so came back to his office and gave instructions that the policy in respect of the house property was to be cancelled. He was present when the Plaintiff attended at}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 the \hich\af0\dbch\af31505\loch\f0 
office and was interviewed by Mr. Ram Shankar, who dealt with the amount repayable to her. Mr Rolls was not, however, familiar with the Hindustani language in which the Plaintiff and Mr. Ram Shankar conversed. But he was able to say that Inderjit Singh wa
\hich\af0\dbch\af31505\loch\f0 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
not present and that the Company acts on a different principle when it itself cancels a policy than that on which it acts when the insured makes the cancellation. In the former event full repayment on a pro rata basis for the unexpired period is made; in 
\hich\af0\dbch\af31505\loch\f0 the latter event the amount repayable is less, according to a formula adopted by the Company. In the present case a full p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3957789 \hich\af0\dbch\af31505\loch\f0 
ro rata payment was made as is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  apparent from the actual figure acknowledged by the Plaintiff as having been repaid to her. The evidenc
\hich\af0\dbch\af31505\loch\f0 
e of Mr. Rolls was cogent and convincing, as likewise was that of the clerk Mr. Ram Shankar, and I accept as a fact that it was the Company and not the Plaintiff who cancelled the policy. On this issue it follows that there was a misrepresentation in the 
\hich\af0\dbch\af31505\loch\f0 P\hich\af0\dbch\af31505\loch\f0 laintif}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 s oral answer to the question in the Proposal; an answer which mus}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3957789 \hich\af0\dbch\af31505\loch\f0 t have been consciously false }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 having regard to the admitted fact that it was on that very day that the Southern Pacific Company Policy was cancelled. Once it is accepted that the Pla\hich\af0\dbch\af31505\loch\f0 
intiff herself cancelled the Policy there can be no question that she stated the true position to the Defendant Company}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s clerk, Mr. Vijay Lal, when she signed the Proposal; it is her case that she cancelled the insurance herself and informed the clerk to \hich\af0\dbch\af31505\loch\f0 
that effect.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
As to the matter of the destruction of her car by fire, the Plaintiff said in evidence that she distinctly informed the clerk, Mr. Vijay Lal, that she had made a claim in respect of a motor car but he gave her to understand that this was not 
\hich\af0\dbch\af31505\loch\f0 
material as the question now was whether she had ever had any house property destroyed by fire. Here the conflict of evidence is one between that of the Plaintiff herself alone and that of the clerk, Mr. Vijay Lal, alone. The only extraneous circumstance 
\hich\af0\dbch\af31505\loch\f0 w\hich\af0\dbch\af31505\loch\f0 
hich it is suggested might throw light on where the truth lies is the inevitable notoriety, as it is suggested, which would follow the destruction of a car by fire in the area where the Plaintiff lives; the implication being that it was hardly a matter wh
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 
ch she could hope to conceal and therefore it was more than likely that she disclosed it. Mr Vijay Lal denied that the Plaintiff informed him of the destruction of the car; she answered in the negative, and he was not otherwise aware of the fact. I prefer
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 
his evidence to that of the Plaintiff and accept him as a witness of truth. I do not regard the suggestion referred to above as throwing doubt on his evidence. Accordingly I find as a fact that the Plaintiff made a second material misrepresentation, in he
\hich\af0\dbch\af31505\loch\f0 r\hich\af0\dbch\af31505\loch\f0 
 oral negative answer to the question in the Proposal whether she had ever had any property destroyed or damaged by fire. There is no reason to regard the question as restricted to any particular form of property and I do not think that the Plaintiff was 
\hich\af0\dbch\af31505\loch\f0 i\hich\af0\dbch\af31505\loch\f0 
n any way misled as to the scope of the question. An insurance company is entitled to take into account not only the physical risk in respect of which insurance is proposed but also what has been referred to as a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 moral risk}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 In my judgment the defence s\hich\af0\dbch\af31505\loch\f0 ucceeds on the grounds of misrepresentations orally made in answer to both questions.

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
It was suggested by counsel for the Plaintiff that in any event it is to the writing in the Proposal that attention should properly be paid. The space for the answer in \hich\af0\dbch\af31505\loch\f0 
the case of each of the questions was completed by the insertion of a mark in the nature of a }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 dash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 .}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
Earlier in the Proposal where similarly a positive }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 yes}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  or }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 no}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  answer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 had been called for, the word }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 no}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  had been inserted. It was to be inferred, couns\hich\af0\dbch\af31505\loch\f0 el submitted, that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 dash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  meant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 not applicable}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 . But even accepting counsel}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s premise I do not think that this can avail the Plaintiff. The reasonable inference would be that there was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 
\hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 nothing to be disclosed: (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid3957789 
\hich\af0\dbch\af31505\loch\f0 22}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid3957789 \hich\af0\dbch\af31505\loch\f0 Halsbury}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  para. 380 (e)); and by signi\hich\af0\dbch\af31505\loch\f0 ng}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0 
 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
the Proposal in the form prepared by the clerk the Plaintiff, notwithstanding her illiteracy in the circumstances of this case, adopted it and accepted responsibility for that reasonable inference: (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid1453911 \hich\af0\dbch\af31505\loch\f0 Newsholm}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid1453911 \hich\af0\dbch\af31505\loch\f0 e Bros. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 
\hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid1453911 \hich\af0\dbch\af31505\loch\f0  Road Transport and General }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5525410\charrsid1453911 
\hich\af0\dbch\af31505\loch\f0 Insuranc\hich\af0\dbch\af31505\loch\f0 e Co.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5525410 \hich\af0\dbch\af31505\loch\f0  [1929] 2 KB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 
 356). It was not objected that the evidence of the clerk was inadmissible to explain the manner in which the Proposal was completed. The Plaintiff was equally anxious to give her account of how the form came to be completed. In any event,
\hich\af0\dbch\af31505\loch\f0 
 as it appears to me, the circumstances would not fall within the rule as to the inadmissibility of oral evidence to contradict, vary or explain a written instrument. The Proposal was not the contractual document finally determining the legal relationship
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 of the parties, and, in any event, if the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 dash}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0  represented an ambiguous answer, or even meant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 not}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1453911 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 
\hich\af0\dbch\af31505\loch\f0 applicable}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
 it amounted to a material non-disclosure. On this basis also, the defence, in my judgment, would be entitled to succeed.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1453911\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 As to the allegation \hich\af0\dbch\af31505\loch\f0 
on the part of the Plaintiff that the Defendant Company, through their Manager Mr. Quartermaine, acknowledged that a claim had been lodged and that the Plaintiff or her agent could take time to lodge the necessary particulars, it is necessary to consider 
\hich\af0\dbch\af31505\loch\f0 C\hich\af0\dbch\af31505\loch\f0 onditions Nos. 11 and 20.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1453911\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
Condition No. 11 concludes with the provision: "No claim under this Policy shall be payable unless the terms of this condition have been complied with". A similar provision was considered in the case of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid1453911 \hich\af0\dbch\af31505\loch\f0 Welch }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid1453911 
\hich\af0\dbch\af31505\loch\f0  Roya}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid1453911\charrsid1453911 \hich\af0\dbch\af31505\loch\f0 l Exchange As\hich\af0\dbch\af31505\loch\f0 surance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1453911 
\hich\af0\dbch\af31505\loch\f0  [1939] 1 KB}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
 294 where the insured failed to recover on the ground that "unless" could not be construed as meaning "until", and, by a majority of the court, that the requirement was a condition precedent which had not been complied with. As it appea
\hich\af0\dbch\af31505\loch\f0 
rs to me, whether such a condition be described as a condition precedent to the maintenance or enforcement of a claim, or as a condition subsequent affecting recovery under the policy, it operates to enable an insurer to repudiate liability in the absence
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 of strict compliance therewith, except, that is to say, where the condition is waived. With regard to waiver, Condition No. 20 provides as follows:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1453911\charrsid1003069 
\par }\pard \ltrpar\ql \li720\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin720\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
"20. No provision or requirement of this Policy requiring any matter or thing to be done, or to be written \hich\af0\dbch\af31505\loch\f0 or endorsed hereon, shall be deemed waived by reason of any alleged notice or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid531884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 waiver which has not been expressly written or endorsed hereon;}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid1453911 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
nor shall the Company be deemed to have waived any provision or condition of this Policy, or any forfeiture thereu\hich\af0\dbch\af31505\loch\f0 nder, by any requirement, act, or proceeding on its part relating to the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid531884 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
appraisement of any alleged loss, unless such provision, condition, or forfeiture be expressly stated in writing to be waived by the Company."}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid531884\charrsid1003069 
\par }\pard \ltrpar\ql \li0\ri-333\nowidctlpar\wrapdefault\faauto\rin-333\lin0\itap0\pararsid2376499 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 Counsel for the Plaintiff argues that a}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid3611398 \hich\af0\dbch\af31505\loch\f0  condition against waiver may}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  itself be waived and in }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid531884 \hich\af0\dbch\af31505\loch\f0 Marcovitch }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2376499 \hich\af0\dbch\af31505\loch\f0 v}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5657224\charrsid531884 \hich\af0\dbch\af31505\loch\f0  Liverpool Victoria Friendly Society}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid531884 \hich\af0\dbch\af31505\loch\f0 (1912) 28 TLR}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
 188 it was so held. There are, however, American authorities to the effect that the object of such a condition as Condition No. 20, is to \hich\af0\dbch\af31505\loch\f0 provide, as a matter of contract, that an informal waiver is ineffective (}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid531884 \hich\af0\dbch\af31505\loch\f0 vide MacGillivray on Insurance Law}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
 (5th Edn.) para. 965). In the circumstances of the present case I do not find it necessary to make a decision on the point. The onus of proving a\hich\af0\dbch\af31505\loch\f0 
 waiver rested on the Plaintiff and I do not find the evidence given on her behalf sufficiently convincing to lead me to conclude, on the balance of probabilities, that any such waiver was in fact made. There is nothing in}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid1453911 \hich\af0\dbch\af31505\loch\f0  writing to confirm it. Mr. Ram}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 rak\hich\af0\dbch\af31505\loch\f0 ha}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s reference in his letter date}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid1453911 \hich\af0\dbch\af31505\loch\f0 d the 2nd January, 1963 (mis}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
dated 1962) to a claim having been made could equally well mean that the Company had been notified that a fire had occurred and that a formal claim would be forthcoming. The assertion that Mr. Qu\hich\af0\dbch\af31505\loch\f0 
artermaine sent the Plaintiff and her son to fetch Mr. Ramrakha to his office does not appear reasonable, if, as is al}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 \hich\af0\dbch\af31505\loch\f0 leged, Mr. Quarter}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 maine only wanted to tell Mr. Ramrakha that particulars must be supplied; Mr. Quartermaine could have told the son Prem \hich\af0\dbch\af31505\loch\f0 
Singh so; Prem Singh has a perfectly adequate command of English and is obviously a capable businessman. Nor, on the Plaintif}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s own case, is it clear what exactly was Mr. Ramrakha}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s status on the day of the fire; whether he was acting as a friend of the Pl\hich\af0\dbch\af31505\loch\f0 
aintiff or as her lawyer. He first appears on record in his letter of the 2nd January, 1963, which is more in keeping with Mr. Quartermaine}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s evidence that he did not see him until two or three days after the fire. Mr. Gould}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s reply dated the 3rd January i\hich\af0\dbch\af31505\loch\f0 
n which he said he awaited the completed claim form is, if anything, more in keeping with Mr. Quartermaine}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s evidence that Mr. Ramrakha had taken the form away. And when the particularised claim was sent in, Prem Singh first took it to the Defendant Compan\hich\af0\dbch\af31505\loch\f0 y}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s office, then to Mr. Gould}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s office, and only finally to Mr. Ramrakha}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 
s office. I accept that this is a case where, for reasons of its own, the Defendant Comp}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 \hich\af0\dbch\af31505\loch\f0 any is prepared to take advantag}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 e of every available means of defence, but not in my view to th\hich\af0\dbch\af31505\loch\f0 
e extent of relying on dubious means. It is also not without significance that the claim form was re-sworn on the 11th January, 1963, the very day on which the 15 days expired. It could be that this was a coincidence; but it could also go to show that the
\hich\af0\dbch\af31505\loch\f0  \hich\af0\dbch\af31505\loch\f0 Plaintiff or her son was aware of the 15 days}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0  time limit and, as Prem Singh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s activities on that day might be construed as indicating, regarded it as the ruling time limit, which would go to negative the allegation that time had been previously waived.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid531884\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 I\hich\af0\dbch\af31505\loch\f0 n the result I give judgment for the Defendant Company, dismissing the Plaintif}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14352466\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224\charrsid1003069 \hich\af0\dbch\af31505\loch\f0 s claim with costs.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5657224 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid531884\charrsid1003069 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5657224\charrsid531884 \hich\af0\dbch\af31505\loch\f0 Judgment for the defendant company.
\par }{\*\themedata 504b030414000600080000002100828abc13fa0000001c020000130000005b436f6e74656e745f54797065735d2e786d6cac91cb6ac3301045f785fe83d0b6d8
72ba28a5d8cea249777d2cd20f18e4b12d6a8f843409c9df77ecb850ba082d74231062ce997b55ae8fe3a00e1893f354e9555e6885647de3a8abf4fbee29bbd7
2a3150038327acf409935ed7d757e5ee14302999a654e99e393c18936c8f23a4dc072479697d1c81e51a3b13c07e4087e6b628ee8cf5c4489cf1c4d075f92a0b
44d7a07a83c82f308ac7b0a0f0fbf90c2480980b58abc733615aa2d210c2e02cb04430076a7ee833dfb6ce62e3ed7e14693e8317d8cd0433bf5c60f53fea2fe7
065bd80facb647e9e25c7fc421fd2ddb526b2e9373fed4bb902e182e97b7b461e6bfad3f010000ffff0300504b030414000600080000002100a5d6a7e7c00000
00360100000b0000005f72656c732f2e72656c73848fcf6ac3300c87ef85bd83d17d51d2c31825762fa590432fa37d00e1287f68221bdb1bebdb4fc7060abb08
84a4eff7a93dfeae8bf9e194e720169aaa06c3e2433fcb68e1763dbf7f82c985a4a725085b787086a37bdbb55fbc50d1a33ccd311ba548b63095120f88d94fbc
52ae4264d1c910d24a45db3462247fa791715fd71f989e19e0364cd3f51652d73760ae8fa8c9ffb3c330cc9e4fc17faf2ce545046e37944c69e462a1a82fe353
bd90a865aad41ed0b5b8f9d6fd010000ffff0300504b0304140006000800000021006b799616830000008a0000001c0000007468656d652f7468656d652f7468
656d654d616e616765722e786d6c0ccc4d0ac3201040e17da17790d93763bb284562b2cbaebbf600439c1a41c7a0d29fdbd7e5e38337cedf14d59b4b0d592c9c
070d8a65cd2e88b7f07c2ca71ba8da481cc52c6ce1c715e6e97818c9b48d13df49c873517d23d59085adb5dd20d6b52bd521ef2cdd5eb9246a3d8b4757e8d3f7
29e245eb2b260a0238fd010000ffff0300504b03041400060008000000210096b5ade296060000501b0000160000007468656d652f7468656d652f7468656d65
312e786d6cec594f6fdb3614bf0fd87720746f6327761a07758ad8b19b2d4d1bc46e871e698996d850a240d2497d1bdae38001c3ba618715d86d87615b8116d8
a5fb34d93a6c1dd0afb0475292c5585e9236d88aad3e2412f9e3fbff1e1fa9abd7eec70c1d1221294fda5efd72cd4324f1794093b0eddd1ef62fad79482a9c04
98f184b4bd2991deb58df7dfbb8ad755446282607d22d771db8b944ad79796a40fc3585ee62949606ecc458c15bc8a702910f808e8c66c69b9565b5d8a314d3c
94e018c8de1a8fa94fd05093f43672e23d06af89927ac06762a049136785c10607758d9053d965021d62d6f6804fc08f86e4bef210c352c144dbab999fb7b471
7509af678b985ab0b6b4ae6f7ed9ba6c4170b06c788a705430adf71bad2b5b057d03606a1ed7ebf5babd7a41cf00b0ef83a6569632cd467faddec9699640f671
9e76b7d6ac355c7c89feca9cccad4ea7d36c65b258a206641f1b73f8b5da6a6373d9c11b90c537e7f08dce66b7bbeae00dc8e257e7f0fd2badd5868b37a088d1
e4600ead1ddaef67d40bc898b3ed4af81ac0d76a197c86826828a24bb318f3442d8ab518dfe3a20f000d6458d104a9694ac6d88728eee2782428d60cf03ac1a5
193be4cbb921cd0b495fd054b5bd0f530c1931a3f7eaf9f7af9e3f45c70f9e1d3ff8e9f8e1c3e3073f5a42ceaa6d9c84e5552fbffdeccfc71fa33f9e7ef3f2d1
17d57859c6fffac327bffcfc793510d26726ce8b2f9ffcf6ecc98baf3efdfdbb4715f04d814765f890c644a29be408edf3181433567125272371be15c308d3f2
8acd249438c19a4b05fd9e8a1cf4cd296699771c393ac4b5e01d01e5a30a787d72cf1178108989a2159c77a2d801ee72ce3a5c545a6147f32a99793849c26ae6
6252c6ed637c58c5bb8b13c7bfbd490a75330f4b47f16e441c31f7184e140e494214d273fc80900aedee52ead87597fa824b3e56e82e451d4c2b4d32a423279a
668bb6690c7e9956e90cfe766cb37b077538abd27a8b1cba48c80acc2a841f12e698f13a9e281c57911ce298950d7e03aba84ac8c154f8655c4f2af074481847
bd804859b5e696007d4b4edfc150b12addbecba6b18b148a1e54d1bc81392f23b7f84137c2715a851dd0242a633f900710a218ed715505dfe56e86e877f0034e
16bafb0e258ebb4faf06b769e888340b103d3311da9750aa9d0a1cd3e4efca31a3508f6d0c5c5c398602f8e2ebc71591f5b616e24dd893aa3261fb44f95d843b
5974bb5c04f4edafb95b7892ec1108f3f98de75dc97d5772bdff7cc95d94cf672db4b3da0a6557f70db629362d72bcb0431e53c6066acac80d699a6409fb44d0
8741bdce9c0e4971624a2378cceaba830b05366b90e0ea23aaa241845368b0eb9e2612ca8c742851ca251ceccc70256d8d87265dd96361531f186c3d9058edf2
c00eafe8e1fc5c509031bb4d680e9f39a3154de0accc56ae644441edd76156d7429d995bdd88664a9dc3ad50197c38af1a0c16d684060441db02565e85f3b966
0d0713cc48a0ed6ef7dedc2dc60b17e92219e180643ed27acffba86e9c94c78ab90980d8a9f0913ee49d62b512b79626fb06dccee2a432bbc60276b9f7dec44b
7904cfbca4f3f6443ab2a49c9c2c41476dafd55c6e7ac8c769db1bc399161ee314bc2e75cf8759081743be1236ec4f4d6693e5336fb672c5dc24a8c33585b5fb
9cc24e1d4885545b58463634cc5416022cd19cacfccb4d30eb45296023fd35a458598360f8d7a4003bbaae25e331f155d9d9a5116d3bfb9a95523e51440ca2e0
088dd844ec6370bf0e55d027a012ae264c45d02f708fa6ad6da6dce29c255df9f6cae0ec38666984b372ab5334cf640b37795cc860de4ae2816e95b21be5ceaf
8a49f90b52a51cc6ff3355f47e0237052b81f6800fd7b802239daf6d8f0b1571a8426944fdbe80c6c1d40e8816b88b8569082ab84c36ff0539d4ff6dce591a26
ade1c0a7f669880485fd484582903d284b26fa4e2156cff62e4b9265844c4495c495a9157b440e091bea1ab8aaf7760f4510eaa69a6465c0e04ec69ffb9e65d0
28d44d4e39df9c1a52ecbd3607fee9cec7263328e5d661d3d0e4f62f44acd855ed7ab33cdf7bcb8ae889599bd5c8b3029895b6825696f6af29c239b75a5bb1e6
345e6ee6c28117e73586c1a2214ae1be07e93fb0ff51e133fb65426fa843be0fb515c187064d0cc206a2fa926d3c902e907670048d931db4c1a44959d366ad93
b65abe595f70a75bf03d616c2dd959fc7d4e6317cd99cbcec9c58b34766661c7d6766ca1a9c1b327531486c6f941c638c67cd22a7f75e2a37be0e82db8df9f30
254d30c1372581a1f51c983c80e4b71ccdd28dbf000000ffff0300504b0304140006000800000021000dd1909fb60000001b010000270000007468656d652f74
68656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73848f4d0ac2301484f78277086f6fd3ba109126dd88d0add40384e4350d363f24
51eced0dae2c082e8761be9969bb979dc9136332de3168aa1a083ae995719ac16db8ec8e4052164e89d93b64b060828e6f37ed1567914b284d262452282e3198
720e274a939cd08a54f980ae38a38f56e422a3a641c8bbd048f7757da0f19b017cc524bd62107bd5001996509affb3fd381a89672f1f165dfe514173d9850528
a2c6cce0239baa4c04ca5bbabac4df000000ffff0300504b01022d0014000600080000002100828abc13fa0000001c0200001300000000000000000000000000
000000005b436f6e74656e745f54797065735d2e786d6c504b01022d0014000600080000002100a5d6a7e7c0000000360100000b000000000000000000000000
002b0100005f72656c732f2e72656c73504b01022d00140006000800000021006b799616830000008a0000001c00000000000000000000000000140200007468
656d652f7468656d652f7468656d654d616e616765722e786d6c504b01022d001400060008000000210096b5ade296060000501b000016000000000000000000
00000000d10200007468656d652f7468656d652f7468656d65312e786d6c504b01022d00140006000800000021000dd1909fb60000001b010000270000000000
00000000000000009b0900007468656d652f7468656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73504b050600000000050005005d010000960a00000000}
{\*\colorschememapping 3c3f786d6c2076657273696f6e3d22312e302220656e636f64696e673d225554462d3822207374616e64616c6f6e653d22796573223f3e0d0a3c613a636c724d
617020786d6c6e733a613d22687474703a2f2f736368656d61732e6f70656e786d6c666f726d6174732e6f72672f64726177696e676d6c2f323030362f6d6169
6e22206267313d226c743122207478313d22646b3122206267323d226c743222207478323d22646b322220616363656e74313d22616363656e74312220616363
656e74323d22616363656e74322220616363656e74333d22616363656e74332220616363656e74343d22616363656e74342220616363656e74353d22616363656e74352220616363656e74363d22616363656e74362220686c696e6b3d22686c696e6b2220666f6c486c696e6b3d22666f6c486c696e6b222f3e}
{\*\latentstyles\lsdstimax267\lsdlockeddef0\lsdsemihiddendef1\lsdunhideuseddef1\lsdqformatdef0\lsdprioritydef99{\lsdlockedexcept \lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority0 \lsdlocked0 Normal;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority9 \lsdlocked0 heading 1;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 2;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 3;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 4;
\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 5;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 6;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 7;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 8;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 9;
\lsdpriority39 \lsdlocked0 toc 1;\lsdpriority39 \lsdlocked0 toc 2;\lsdpriority39 \lsdlocked0 toc 3;\lsdpriority39 \lsdlocked0 toc 4;\lsdpriority39 \lsdlocked0 toc 5;\lsdpriority39 \lsdlocked0 toc 6;\lsdpriority39 \lsdlocked0 toc 7;
\lsdpriority39 \lsdlocked0 toc 8;\lsdpriority39 \lsdlocked0 toc 9;\lsdqformat1 \lsdpriority35 \lsdlocked0 caption;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority10 \lsdlocked0 Title;\lsdunhideused0 \lsdlocked0 Default Paragraph Font;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority11 \lsdlocked0 Subtitle;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority22 \lsdlocked0 Strong;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority20 \lsdlocked0 Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority59 \lsdlocked0 Table Grid;\lsdunhideused0 \lsdlocked0 Placeholder Text;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority1 \lsdlocked0 No Spacing;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 1;\lsdunhideused0 \lsdlocked0 Revision;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority34 \lsdlocked0 List Paragraph;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority29 \lsdlocked0 Quote;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority30 \lsdlocked0 Intense Quote;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority19 \lsdlocked0 Subtle Emphasis;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority21 \lsdlocked0 Intense Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority31 \lsdlocked0 Subtle Reference;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority32 \lsdlocked0 Intense Reference;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority33 \lsdlocked0 Book Title;\lsdpriority37 \lsdlocked0 Bibliography;\lsdqformat1 \lsdpriority39 \lsdlocked0 TOC Heading;}}{\*\datastore 010500000200000018000000
4d73786d6c322e534158584d4c5265616465722e352e3000000000000000000000060000
d0cf11e0a1b11ae1000000000000000000000000000000003e000300feff090006000000000000000000000001000000010000000000000000100000feffffff00000000feffffff0000000000000000ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
fffffffffffffffffdfffffffeffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffff52006f006f007400200045006e00740072007900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000500ffffffffffffffffffffffffec69d9888b8b3d4c859eaf6cd158be0f000000000000000000000000608e
8cce278ad001feffffff00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff00000000000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff0000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff000000000000000000000000000000000000000000000000
0000000000000000000000000000000000000000000000000105000000000000}}