{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch31505\stshfloch31506\stshfhich31506\stshfbi0\deflang2057\deflangfe2057\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New{\*\falt Courier New};}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol{\*\falt Symbol};}
{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings{\*\falt Wingdings};}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings{\*\falt Wingdings};}
{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}{\f40\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f1018\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\f1019\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\f1021\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\f1022\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\f1023\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\f1024\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\f1025\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\f1026\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\f1038\fbidi \fmodern\fcharset238\fprq1 Courier New CE{\*\falt Courier New};}{\f1039\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr{\*\falt Courier New};}{\f1041\fbidi \fmodern\fcharset161\fprq1 Courier New Greek{\*\falt Courier New};}
{\f1042\fbidi \fmodern\fcharset162\fprq1 Courier New Tur{\*\falt Courier New};}{\f1043\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew){\*\falt Courier New};}{\f1044\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic){\*\falt Courier New};}
{\f1045\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic{\*\falt Courier New};}{\f1046\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese){\*\falt Courier New};}{\f1388\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}
{\f1389\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\f1391\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\f1392\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}
{\f1395\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\f1396\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}{\f1418\fbidi \froman\fcharset238\fprq2 Cambria CE;}
{\f1419\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\f1421\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f1422\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\f1425\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}
{\f1426\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE;}{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr;}{\fhimajor\f31531\fbidi \fswiss\fcharset161\fprq2 Calibri Light Greek;}
{\fhimajor\f31532\fbidi \fswiss\fcharset162\fprq2 Calibri Light Tur;}{\fhimajor\f31535\fbidi \fswiss\fcharset186\fprq2 Calibri Light Baltic;}{\fhimajor\f31536\fbidi \fswiss\fcharset163\fprq2 Calibri Light (Vietnamese);}
{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}
{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}
{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}}{\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;\red79\green129\blue189;}{\*\defchp \fs22\loch\af31506\hich\af31506\dbch\af31505 }{\*\defpap \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \snext0 \spriority0 \styrsid6186153 Normal;}{\s1\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel0\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\ab\af0\afs28\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext20 \slink15 \sunhideused \sqformat \spriority9 \styrsid6186153 heading 1;}{
\s2\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs26\alang1025 \ltrch\fcs0 \b\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon1 \snext20 \slink16 \sunhideused \sqformat \spriority9 \styrsid6186153 heading 2;}{\s3\ql \li0\ri0\sb240\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs26\alang1025 
\ltrch\fcs0 \b\i\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon2 \snext20 \slink17 \sunhideused \sqformat \spriority9 \styrsid6186153 heading 3;}{
\s4\ql \li0\ri0\sb120\sa120\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel3\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\ai\af0\afs24\alang1025 \ltrch\fcs0 \b\i\f37\fs24\cf17\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext0 \slink18 \ssemihidden \sunhideused \spriority9 \styrsid6186153 heading 4;}{\*\cs10 \additive \sunhideused \spriority1 \styrsid6186153 Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv \ql \li0\ri0\sa160\sl259\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang2057\langfe2057\loch\f31506\hich\af31506\dbch\af31505\cgrid\langnp2057\langfenp2057 \snext11 \ssemihidden \sunhideused 
Normal Table;}{\*\cs15 \additive \b\f0\fs28\lang1033\langfe1033\langnp1033\langfenp1033 \slink1 \slocked \spriority9 \styrsid6186153 Heading 1 Char;}{\*\cs16 \additive \b\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 
\slink2 \slocked \spriority9 \styrsid6186153 Heading 2 Char;}{\*\cs17 \additive \b\i\f0\fs26\lang3081\langfe1033\langnp3081\langfenp1033 \slink3 \slocked \spriority9 \styrsid6186153 Heading 3 Char;}{\*\cs18 \additive 
\b\i\f37\fs24\cf17\lang3081\langfe1033\langnp3081\langfenp1033 \slink4 \slocked \ssemihidden \spriority9 \styrsid6186153 Heading 4 Char;}{\s19\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar
\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls15\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext19 \sqformat \spriority0 \styrsid6186153 
Num List 1;}{\s20\qj \fi-720\li720\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\outlinelevel0\adjustright\rin0\lin720\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\snext20 \sqformat \spriority0 \styrsid6186153 Paragraph - Numbered;}{\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext21 \sqformat \spriority0 \styrsid6186153 Indent1;}{\s22\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls15\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon19 \snext22 \sqformat \spriority0 \styrsid6186153 Num List 2;}{\s23\qj \fi-601\li3481\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls15\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0 \rtlch\fcs1 \af0\afs24\alang1025 
\ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon22 \snext23 \sqformat \spriority0 \styrsid6186153 Num List 3;}{\s24\ql \li720\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext24 \ssemihidden \sqformat \spriority0 \styrsid6186153 Quote 1;}{
\s25\ql \li1440\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon24 \snext25 \ssemihidden \sqformat \spriority0 \styrsid6186153 Quote 2;}{\s26\ql \li2160\ri0\sb120\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon25 \snext26 \ssemihidden \sqformat \spriority0 \styrsid6186153 Quote 3;}{
\s27\qj \fi-720\li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\outlinelevel0\adjustright\rin0\lin1440\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon19 \snext27 \sqformat \spriority34 \styrsid6186153 List Paragraph;}{\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext28 \slink29 \styrsid6186153 Body Text;}{\*\cs29 \additive \f0\fs20\lang1033\langfe1033\langnp1033\langfenp1033 \slink28 \slocked \styrsid6186153 Body Text Char;}{
\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon21 \snext30 \sqformat \spriority0 \styrsid6186153 Indent2;}{\s31\qj \li2880\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl2\outlinelevel2\adjustright\rin0\lin2880\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon30 \snext31 \sqformat \spriority0 \styrsid6186153 Indent3;}{\s32\qj \fi-601\li2761\ri0\sb240\sa240\widctlpar
\jclisttab\tx2160\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl1\outlinelevel1\adjustright\rin0\lin2761\itap0\contextualspace \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon36 \snext32 \styrsid6186153 List Bullet 2;}{\s33\qj \fi-601\li3481\ri0\sb240\sa240\widctlpar\jclisttab\tx2880\wrapdefault\aspalpha\aspnum\faauto\ls17\ilvl2\outlinelevel2\adjustright\rin0\lin3481\itap0\contextualspace \rtlch\fcs1 
\af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon32 \snext33 \styrsid6186153 List Bullet 3;}{\s34\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext34 \sqformat \spriority0 \styrsid6186153 Judgment Heading;}{
\s35\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext35 \sqformat \spriority0 \styrsid6186153 
Judgment Coversheet;}{\s36\qj \fi-601\li2041\ri0\sb240\sa240\widctlpar\jclisttab\tx1440\wrapdefault\aspalpha\aspnum\faauto\ls17\outlinelevel0\adjustright\rin0\lin2041\itap0 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
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\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6436856 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5767179\charrsid6436856 IN THE SUPREME COURT OF FIJI (WESTERN DIVISION)
\par AT LAUTOKA
\par Civil Jurisdiction
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471\charrsid6889471 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471\charrsid8722613 Action No. 287 of 1978}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid8722613 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471\charrsid6889471 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 BETWEEN:
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5767179\charrsid6436856 DAVENDRA KUMAR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471  s/o Bhagauti Prasad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5649922 Plaintiff
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471\charrsid6889471 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 nd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471\charrsid6889471 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5649922\charrsid6436856 QB}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid5767179\charrsid6436856 E INSURANCE LIMITED
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5649922 Defendant
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8722613 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471\charrsid6889471 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 Mr. Chaud}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6436856 hary, Counsel for the Plaintiff
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 Mr. R. Krishna, Counsel for the Defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8722613 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8722613\charrsid6889471 
\par }\pard\plain \ltrpar\s34\qc \li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12745385 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \b\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid8722613 JUDGMENT 
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12745385 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The plaintiff purchased a delivery van from Burns Philp in May 1978 at the same time executing a bill of sale to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12745385  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 cover most of the purchase price. At the same time he took out a policy of Insurance with the defendant company in respect of the vehicle. The proposal form Ex
hibit C was signed by the plaintiff though he said it was filled in by somebody in Burns Philp. He argued that the person who filled in the form }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8722613 w}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 as the agent for the defendant; but clearly that was not the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12745385  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 position. He was surely merely a link between the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12745385  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 and defendant, and there was no evidence that he overrode the plaintiff or put anything in the proposal form that was not what the plaintiff told him or agreed to}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8722613 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12745385  and signed to.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid12745385 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 In reply to a question in the proposal form "Have you or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12745385  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 any other person who to your knowledge drives or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6889471  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12745385 likely to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 drive the vehicle -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid12745385 
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\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 (a) SECURED THE NECESSARY LICENCE TO DRIVE" the answer is given "Yes".
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11033376 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 Just above the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8722613 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 s }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid8722613 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 ignature is t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10425870 he following "I/we do hereby dec}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
lare and warrant that the answers}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10425870  g}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 iven 
above are in every respect true and correct and I/we have not withold any information likely to affect the acceptance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11033376  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 of this proposal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6889471  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6644655 \'85\'85 "}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid11033376 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6644655 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The fact is}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6644655  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 that the plaintiff obtained a driv}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6644655 ing licence in 1975, renewed it }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
in 1976, and that it had lapsed on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid269852  11/11/77 and not been renewed. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 So that at the time of signing the proposal form, }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid269852 .and at the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 time}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid269852  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 of the subsequent accident, the}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid269852  plaintiff did not hold a valid }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 current driving licence.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid269852 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
The defendants argue that this reply by the plaintiff was untrue and entitled them to avoid the policy.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3418224 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3418224 's argument is that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 on}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3418224  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 the true }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3418224 construction }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
of the words of the question there was no untrue statement, that he had secured a driving licence and was qualified to drive, but that he had merely allowed the licenc
e to lapse. It is certainly correct that the question could be rather better worded by the defendants. But can the question be of any value unless it is construed as meaning a "current and valid licence"?}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid3418224 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 It that were so of course the second part of the question i.e.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3418224  "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 ever had a licence suspended, endorsed or cancelled" would be unnecessary. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3418224 O}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 n the other hand could it not be said that the plaintiff had witheld information likely to affect the acceptance of the proposal? Surely the answer to that is - if the
 defendant had known that the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3418224 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 s driving licence was expired }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1527955 and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 had expired 6 months ago would it have issued the policy? Would it not have insisted that the plaintiff obtained a valid licence?}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid3418224 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 However that may be the defendant issued the policy of insurance }{\rtlch\fcs1 \af0 \ltrch\fcs0 \ul\insrsid5767179\charrsid5272805 Exhibit D}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid6889471  insuring the vehicle for $6,837. The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3418224  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
policy contains various exclusion clauses the relevant one being \_}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid3418224 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid1527955 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 "This policy does not cover \_}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5272805  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid6889471 
\par {\listtext\tab}}\pard\plain \ltrpar\s30\qj \li2160\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\outlinelevel1\adjustright\rin0\lin2160\itap0\pararsid1527955 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 4. Loss damage liability and/or compensation for damage and/or injury caused whilst t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5272805 
he motor vehicle \'85\'85\'85\'85}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
\par {\listtext\tab}(e) is being driven by the Insured or by any person with the consent of the Insured if the driver was not duly authorised under all relevant laws, by laws and regulations to be driving such ve
hicle for the purpose for which it was being used."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14311580 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The defendants argue that in accordance with the terms of this exclusion clause the plaintiff is not entitled to any claim under the policy. The plaintiff has argued to the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5272805  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 contrary claiming that he}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14311580  had a driving licence and was q}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 ualified}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14311580  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 to drive the vehicle}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12977999 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14311580  b}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 ut because it had lapsed he was merely liable to a fine.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6889471\charrsid6889471  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 That is an argument I cannot accept. The Tr}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11799886 affic}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471  Act does not}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11799886  s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 ay}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11799886  "no }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 person}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11799886  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 shall drive a vehicle unless he has in respect of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11164908  i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid339986 t }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 a valid }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12127807 driving licence", }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
it merely provides for a penalty in respect of any one driving a motor vehicle without having a valid driving licence. But surely it must amount t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12127807 o the }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 same thing. The purpose of the provision is to keep o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12127807 ff the roads persons not in possession o}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12127807  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 valid and current licences. So that at the time of the accident the plaintiff was not duly authorised under the Act to be driving the vehicle.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid14311580 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12127807 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
There is also another exclusion clause in the following provision in the policy \_}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12127807  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
\par {\listtext\tab}}\pard\plain \ltrpar\s21\qj \li1440\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\outlinelevel0\adjustright\rin0\lin1440\itap0\pararsid12977999 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 
\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 "Provided always that the due observance and fulfilment by the insured of the terms provisions conditions and memoranda contained }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12127807 in endorsed on or attached to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471  this policy in so far as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2916255 they relate to anything to be do}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 ne or complied with by the insured and the truth of the statem
ents and answers in the said proposal together with all statements made in writing by the insured or anyone acting on behalf of the insured for the purpose of this policy shall be conditions precedent to any liability of the company to make any payment un
der this policy."
\par }\pard\plain \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2916255 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The plaintiff had an accident which considerably damaged the car, the cost of repairs being over $4,500. The accident }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2916255 occured on 2/7/78, and subs}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 equently the plaintiff, apparently real}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3632348 ising that his driving licence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 had lapsed, renewed it. 
He was charged with driving without a driving licence, pleaded guilty and was convicted and fined. Exactly when he renewed his}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2916255  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 licence is not clear.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6889471  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3632348 
Items never produced and in fact the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 plaintiff said that it had not been renewed on the occasion he saw Jitendra.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid2916255 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7933169 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
On 5/7/78 the plaintiff went to the defendants office with a duly completed claim form. In the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3632348 claim form in appropriate}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
 places he gave the number of his driving licence, the class of vehicles covered, the date it was obtained (i
.e. 12/11/75) all correctly. However in the place where he was to insert the date the licence was in force to he had inserted. 3/7/79. This might or might not have been correct on 5/7/78 because by then the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7933169 
 licence may have been renewed, but it was not correct for 2/7/78, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid7933169  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 date of the accident because on that date}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3934675  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 the licence had ceased to be in force since 11/11/77.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid7933169 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid3934675 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 But this date of 3/7/79-has been crossed through}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid3934675  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 with a different coloured ink and the date 11/11/77 written above it with marks to one sid
e which could be initials \emdash  even the plaintiffs }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3934675 initials}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
. There is dispute as to when this was written}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11604706  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 in.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid3934675 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11604706 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The plaintiff says he went to the defendant}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid6889471\charrsid6889471 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 s office with the form on 5/7/78, and with him were a solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11604706  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11604706 M.T. K}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 han and two other persons. According to him he gave Jitendra Dalton, the defendant}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6889471\charrsid6889471 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11604706 s branch manager at Lauto}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 ka the claim form and his driving licence and Jitendra noted that it had expired. M.T. Khan then said he had had a driver whose licence had expired 
in similar circumstances and the insurance company had paid. Apparently Jitendra said nothing, collected the claim form that had been filled in and $400 being excess payable by the plaintiff under the policy, and, apparently also an estimate of the cost o
f
 repairs and there was no other conversation. He says that when he handed over the form and paid the excess he believed that his claim would be met. Although in evidence he also said that when he used to see Jitendra he used to say it was up to Suva head 
office.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid11604706 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9902407 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11604706 M.T. K}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
han is now dead}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9902407  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 and so could not be called as a witness, but two other persons gave evidence that they had gone to Jitendra}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid6889471\charrsid6889471 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 s office on 5/7/78 with the plaintiff and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9902407  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid9902407 M.T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 . Khan and seen the plaintiff produce his driving licence to Jitendra, and pay over the excess.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \insrsid5767179\charrsid9902407 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14575721 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 Only Jitendra gave evidence for the defendant. His }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9902407 evidence was that M.T. K}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 han never went to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9902407  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid6889471 his office with the plaintiff, althoug}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid9902407 h he said that some time much later M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
.T. Khan spoke to him on the phone about the matter and said that the company had once paid in a similar case. He denied that the plaintiff had produced his driving licence and said that when he}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14575721  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 received the claim form and forwarded it to Suva only the date 3/7/79 was shown, it-had not been crossed out nor had the date 11/11/77 been written above it.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid14575721 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11302510 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
He agreed asking for $400 excess it being company policy to collect this money when processing claims but that he had no authority to accept liability on claim}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7953609 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8945499  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 being done in Suva after due p}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8945499 rocessing. There is no reason }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 for me to believe otherwise}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid7953609 . I}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid6889471  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 note that at the bottom of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8945499  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 claim form are the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11302510 words}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid7953609  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 " N.B. ALL QUESTIONS MUST BE ANSWERED -}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11302510  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 THIS COMPANY DOES}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11302510  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 NOT ADMIT LIABILI}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11302510 TY BY THE ISSUE OF THIS FORM."}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid11302510 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11302510 Apart from asking }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 for $400 and forwarding}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11302510  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid6889471 the form and money to Suva,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11302510  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
there was nothing in the evidence which could indicate that the company had already decided to meet the claim and were estopped from denying it}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11302510 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 

\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12003320 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11302510 So }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
far as the disclosure of the date the driving licence expired the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid11302510 plaintiff gave no explanation ho}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12003320 w the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid6889471 date was}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12003320  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 altered from 3/7/79 to 11/11/77, or }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12003320 whether it was his writing and I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471  accept Jitendra}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid6889471\charrsid6889471 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 s evidence that when the form was handed to him and when he forwarded it to Suva the date sh
own was 3/7/79.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12003320  I }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
accept also from him that he did nothing to give the plaintiff any reason to believe that he was accepting liability on behalf of the defendant company. And I accept that he had no power to commit the defendant com}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13644405 pany to paying the claim.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid12003320 
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13644405 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
The sole issue remaining is whether the defendant company had the right in accordance with the terms of the policy to reject the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid7953609 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5767179\charrsid6889471 s claim and deny liability.
\par It can hardly be said that the plaintiff had made full disclosure on a material matter, it can hardly be said that the absence of a valid current driving licence is not a material consideration.
\par The plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13644405 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 s counsel has argued the policy was only voidable because of the plaintif}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13644405 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 
s omission, and that since the policy had not been avoided by the defendant before the accident the defendant was bound by it. He cited the case of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid5767179\charrsid7953609 Ram Dayal v. Regina}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5767179\charrsid6889471  Vol. 6 FLR 134 which was a criminal case involving the existence of a valid 3rd Party insurance, and section 11 of the Motor Vehicles (Insurance) Ordinance which w}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid13644405 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 s intended to protect 3rd parties. I do not find that case particularly helpful in this case, nor the cases therein cited.
\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16523447 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 Nor do I find the distinction between void and voidable p
olicies helpful in this case. It may well be relevant in a criminal case, or where Third persons are involved, where an insurance company might still be prepared to consider itself liable under the policy even though there might be grounds for denying lia
bility. But as between the insurers and insured the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
 matter depends entirely upon the construction of the exclusion clause and whether the insurance company wishes to rely on it. This I thi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid16523447 nk can be deduced from Ram Daya}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid16523447 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 s case,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid16523447  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid5143171 
Ram Prasad v. Regina}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471  8 FLR. 63, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid5143171 Mazara Khan v. R.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471  11 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5143171 FLR }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 161. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid16523447 It seems to be implic}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 it in Mazara Khan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6889471\charrsid6889471 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 s case for instance and Lester Bros. (Coal Merchants) Ltd. v. Avon Insurance Co. (1942) 72LL L Rep. 109 that the insurer can deny liability under the policy where the driver was to the
 owners knowledge driving without a licence.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid16523447 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 In this case I consider that the defendants liability rests entirely on the constructio}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1469144 n of the exclusion clause 4(e) a}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \insrsid5767179\charrsid6889471 bove quoted and to a lesser extent perhaps the information contained in the proposal form and the defendants were within}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12849422  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid6889471 their rights under the terms o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12849422  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 the policy to deny liability.

\par }\pard \ltrpar\s39\ql \li0\ri0\sb240\sa240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12849422 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12849422 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 s counsel argued that the defendants}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12849422  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 had waived their right to deny liability when Jitendra asked for and accepted $400 excess from the plaintiff and f
orwarded the claim form to Suva. There is a clause in the policy dealing with waiver stating that any such waiver had to be expressly}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12849422  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 stated in writing. There was certainly no writing in this case, but then neither was there any ev}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12849422 
idence of waiver. There was no}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471  evidence that Jitendra said anything about waiver, and the mere}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid1469144  fact that he asked for $}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12849422 400.00 so }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
that the claim could be forwarded to Suva can not be construed as in any way waiving breaches of the conditions}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12849422  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 of the policy or as accepting}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12849422  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 liability on the part of}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1469144  the defendant under the claim -}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471  even if he had authority to admit the claim. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1469144 And according to him he had no }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 such authority. There was no evidence for the Court to think otherwise.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid12849422 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179\charrsid6889471 The result then is that the plaintif}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6889471 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1469144 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid5767179\charrsid6889471 s claim is dismissed with costs, to be taxed if not agreed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid5767179 
\par }\pard\plain \ltrpar\s28\qc \li0\ri0\sb240\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1469144 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid1469144\charrsid1469144 (G.O L. Dyke}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid1469144\charrsid1469144 ),
\par }\pard \ltrpar\s28\qc \li0\ri0\sl-360\slmult0\widctlpar\tx4657\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1469144 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe2057\langnp2057\langfenp2057\insrsid1469144\charrsid1469144 
JUDGE.
\par }\pard \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11098144 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid1469144 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid1469144\charrsid6889471 LAUTOKA,
\par }\pard\plain \ltrpar\s28\ql \li0\ri0\sl-360\slmult0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid1469144 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid1469144\charrsid6889471 16th July, 1982}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid1469144 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5767179\charrsid6889471 
\par }{\*\themedata 504b030414000600080000002100e9de0fbfff0000001c020000130000005b436f6e74656e745f54797065735d2e786d6cac91cb4ec3301045f748fc83e52d4a
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