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{\title IN THE SUPREME COURT OF THE FIJI ISLANDS}{\author judicial}{\operator raikatalau_l}{\creatim\yr2012\mo5\dy10\hr9\min10}{\revtim\yr2012\mo5\dy10\hr9\min26}{\printim\yr2012\mo5\dy8\hr12\min59}{\version5}{\edmins18}{\nofpages8}{\nofwords3066}
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\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 IN THE SUPREME COURT OF FIJI
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3558819\charrsid4476969 AT SUVA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 CI}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5531088\charrsid4476969 V}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 IL APPEAL NO. C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5531088\charrsid4476969 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
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0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3695055\charrsid4476969 9}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969  OF 20}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5857925\charrsid4476969 0}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3695055\charrsid4476969 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 

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\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid869270 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 BETWEEN}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969\charrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5451089\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4476969\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3695055\charrsid4476969 DILIP KUMAR}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid14047897\charrsid4476969  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid4278361\charrsid4476969 JYOTISHNA DILIP KUMAR
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 Petitioner}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4278361\charrsid4476969 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid6840145\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 AND}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969\charrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3695055\charrsid4476969 THE NATIONAL INSURANCE COMPANY OF FIJI LIMITED}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 Respondent
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid7279324\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 Coram}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4476969 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid669127\charrsid4476969 Hon}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4603434\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid669127\charrsid4476969  Chief Justice Anthony Gates, President}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4603434\charrsid4476969  of the Supreme Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid669127\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid5857925\charrsid4476969 H}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid669127\charrsid4476969 on}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid4603434\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid669127\charrsid4476969  Justice W}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid10972629\charrsid4476969 illiam Marshall, Ju}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4603434\charrsid4476969 stice}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid10972629\charrsid4476969  of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid13052400\charrsid4476969 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid10972629\charrsid4476969 Supreme Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid2454000\charrsid4476969 Hon. Justice }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid13639895\charrsid4476969 Sriskandarajah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid2454000\charrsid4476969 , Justice of the Supreme Court 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par Counsel}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4476969 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14047897\charrsid4476969 Mr R K Newton }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid7279324\charrsid4476969 for Petitioner}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8920758\charrsid4476969 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14047897\charrsid4476969 Mr A K Narayan }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4727142\charrsid4476969 for Respondent
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid7213264\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3543117\charrsid4476969 Date of Hearing}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4476969 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid14047897\charrsid4476969 Friday, 6th August 2010}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid7213264\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 Date of Judgment}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4476969\charrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid7097943\charrsid4476969 Wednesday}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid2036673\charrsid4476969 , }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid7097943\charrsid4476969 9th }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid2036673\charrsid4476969 May }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid5463717\charrsid4476969 2012}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11557240\charrsid4476969 
\par }{\rtlch\fcs1 \af0\afs36 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid4476969 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0\afs36 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid12649513\charrsid4476969 JUDGMENT}{\rtlch\fcs1 \af0\afs36 
\ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid2061151\charrsid4476969 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid13896357\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid12649513\charrsid4476969 Anthony Gates, President
\par 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4528956\charrsid4476969 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4528956\charrsid4476969 This case was }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12742594\charrsid4476969 first }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4528956\charrsid4476969 heard }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12742594\charrsid4476969 in the Supreme Court on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4278361\charrsid4476969 6th August }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4528956\charrsid4476969 2010 and the Court consisted of myself sitting with Justice John Byrne and Justice William Marshall.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid990640\charrsid4476969 In October 2010 Justice John Byrne retired from the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 bench}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid990640\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13312073\charrsid4476969 That meant that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 his lordship no longer held a warrant to give judgment in the matter.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 
Since this is the final Court of Appeal this matter had been set down for re-hearing before a fully constituted bench.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12649513\charrsid4476969 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6376894\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969 I agree with the 
judgment, reasoning and the proposed orders of Justice William Marshall.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 \hich\af0\dbch\af0\loch\f0 3.\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 
I similarly find no difficulty in construing the phrase }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 pending action}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969  in clause 18 of the fire policy.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 The phrase must refer to litigation already commenced not to that simply contemplated.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 There is no need to resort to the contra proferentem rule.
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 The petitioners suggest that such a construction encourages litigation rather than negotiation.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 It is always open for a party to negotiate settlement at any stage of litigation.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 The courts do not wish to impede genuine mercantile settlements amongst men of commerce.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 Both parties are in business in a substantial way, without being disadvantaged or without competent legal advice.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 The contract term is a fair, reasonable, and unremarkable one.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 Modern business organisations need to ascertain each year the extent of their liabilities.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 The clause is unlikely to lead to difficulties.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 
The one year period provided within which to file their claim provides adequate time for ascertainment of loss and for negotiation of settlement.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 Once litigation is commenced, negotiation can continue and may result in withdrawal of proceedings subsequently.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8129792\charrsid4476969 I cannot agree that clause 18 encourages litigation at the expense of dispute settlement.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid2625693\charrsid4476969 
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid12725889\charrsid4476969 Justice William Marshall}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid12725889\charrsid4476969 
\par 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969 \hich\af0\dbch\af0\loch\f0 5.\tab}}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969 This is an appeal by Dilip Kumar and his wife Jyotishna Dilip Kumar trading as Binaco Textiles from a decision of the Court of Appeal of 10th November 2006.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969 The judges deciding the appeal were Ward, President}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13108080\charrsid4476969 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969  Eichelbaum JA}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13108080\charrsid4476969 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969  and Penlington JA.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14187480\charrsid4476969 They gave their opinion in a judgment of the Court.
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9261409\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11226946\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9261409\charrsid4476969 \hich\af0\dbch\af0\loch\f0 6.\tab}}\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls4\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid9261409\charrsid4476969 On 30th July 2008 Pathik JA, Shameem JA and Hickie JA at a leave hearing in the Court of Appeal certified the following question as one of significant public importance}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9261409\charrsid4476969 
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 
\par }\pard\plain \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 WHETHER on the proper construction o
f clause 18 of the respondents standard form fire insurance policy at issue in these proceedings it is necessary, for an action to be a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 pending action}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 , that it will be actually commenced in a court of law within 12 months }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13108080\charrsid4476969 f}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13108080\charrsid4476969 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 m the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid1985176\charrsid4476969 occurrence of the loss 
or damage or whether it is sufficient if the action is in contemplation or threatened against}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid6291940\charrsid4476969  the insurer during that 12 month period.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13896357\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid224992\charrsid4476969 The orders of the Court granting leave to appeal were}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid224992\charrsid4476969 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4071195\charrsid4476969 
\par }\pard \ltrpar\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13896357\charrsid4476969 
\par }\pard \ltrpar\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid224992\charrsid4476969 ORDERS}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid224992\charrsid4476969 
\par 
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid224992\charrsid4476969 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \ltrpar
\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid224992\charrsid4476969 Leave to Appeal }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5446114\charrsid4476969 to the Supreme Court is granted which we certify to be of significant public importance.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid224992 
\par }\pard \ltrpar\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid6647108\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5446114\charrsid4476969 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ltrpar
\s17\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls20\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5446114\charrsid4476969 
The Applicants to pay both parties costs of the Application for Leave.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5446114\charrsid4476969 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4476969 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid2625693\charrsid4476969 
\par 5.\tab Pursuant to the statutory provisions the granting of leave by the Court of Appeal means that the Supreme Court is dealing with a substantive civil appeal.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid10626775\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid16003682\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid9056712\charrsid4476969 The Facts}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid2625693\charrsid4476969 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13896357\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9056712\charrsid4476969 6.\tab Binaco Textiles on 10th of September 1994 at their warehouse in Suva sustained considerable damage due to a fire.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9056712\charrsid4476969 Two days later they made a claim on their fire insurance policy issued by the National Insura
nce Company of Fiji Limited.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9056712\charrsid4476969 
The plaintiffs then filed a writ on 18th September 1995.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5259976\charrsid4476969 
\par 7.\tab It seems that the Plaintiffs solicitors were aware that pursuant to Clause 18}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid9519950\charrsid4476969 
 of the policy it would be advisable to file proceedings against the insurers on or before 12th September 1995.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid9519950\charrsid4476969 This is because on 6th September 1995 they wrote to the solicitors for the insurers that they had instructions }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5272530\charrsid4476969 to urgently issue a Writ \'85 against your client unless we have settlement \'85forthwith.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5259976\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid5272530\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5272530\charrsid4476969 8.\tab But their plan of conservative and self protecting action failed when they de}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid12725889\charrsid4476969 layed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5272530\charrsid4476969  until 18th September 1995 when the writ was issued.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 
\par 9.\tab Clause 18 of the policy reads}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 
\par }\pard \ltrpar\ql \fi11\li709\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 18.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 
In no case whatever shall the company be liable for any loss or damage after the expiration of twelve months from the happening of the loss or damage unless the claim is the subject of pending action or arbitration.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14429549\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 10.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6630213\charrsid4476969 
There were also claims on other policies in respect of cover for burglary damage and theft arising out of the same incident.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid6630213\charrsid4476969 When the insurance company repudiated the fire claim on failure to meet the condition of Clause 18, in the insured}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 
'}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6630213\charrsid4476969 s action against the insurer, Coventry J tried the Clause 18 issue as a preliminary question.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6630213\charrsid4476969 On that preliminary point, the present appeal is the final venue.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4473343\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14039124\charrsid4476969 
\par 11.\tab On 19th May 2006 Coventry J gave his written }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid14039124\charrsid4476969 
Ruling on Preliminary Issue}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3744408\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14039124\charrsid4476969 The following are the key parts of his ruling}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14039124\charrsid4476969 
\par }\pard \ltrpar\ql \fi11\li709\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8923604\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8923604\charrsid4476969 [10]\tab Various authorities have been cited to me concerning the word}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9067185\charrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid9067185\charrsid4476969 pending}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9067185\charrsid4476969 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9067185\charrsid4476969 They are predicated on different }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid8214481\charrsid4476969 circumstances and do not assist me in making this decision.
\par 
\par [11]\tab It is not uncommon in contracts of insurance to find clauses requiring that a claim must be made within a stated period or that an action must be commenced within a stated period, failing which the claim will not be entertained.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8214481\charrsid4476969 The commercial efficacy of such clauses}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid12460205\charrsid4476969  is obvious and will be upheld as long as the periods are not unrealistically short.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8214481\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 
\par [12]\tab In my judgment, action must mean a legal action filed in a court.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 
The plain meaning of pending action means an action which is pending before the court.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 This is consistent with the first meaning in both dictionary definitions and the example }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 
\af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 a suit was then pending}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 .
\par 
\par [13]\tab It is also consistent with }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13508819\charrsid4476969 c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 
lause 10 which requires notice to the company forthwith upon the happening of any loss or damage and the delivery of a claim in writing within fifteen days. I cannot accept the plaintiffs contention that }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 pending}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969  in this clause means that an action }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 is in contemplation or threatened during the twelve month period following the loss or damage}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 Such an interpretation }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2823399\charrsid4476969 
would mean that as long as an insured indicated he was contemplating or threatening an action that would suffice for Clause 18 purposes no matter how long after the date of the loss he filed his claim.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2823399\charrsid4476969 That is clearly not the purpose of this clause.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13596033\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2823399\charrsid4476969 
\par [14]\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13464532\charrsid4476969 This is an insurance contract.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13464532\charrsid4476969 Both parties were aware of that at the time of the agreement.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13464532\charrsid4476969 I consider that had either party been asked at the time of agreement what this phrase meant they would both have responded that pending mean pending before the courts, an action having been
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid1380147\charrsid4476969  formally filed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2823399\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid613910\charrsid4476969 
\par [15]\tab Accordingly, I find that the fire insurance claim part of these proceedings was filed out of time and accordingly that part of the proceedings is struck out.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid613910\charrsid4476969 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6647108 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8923604\charrsid4476969 12.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5250971\charrsid4476969 \tab In the Court of Appeal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4597049\charrsid4476969  the judgment of the panel was a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5250971\charrsid4476969 Judgment of the Court.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid8923604\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11811804\charrsid4476969 
\par 13.\tab In my opinion the modern law on construction of documents is authoritatively set out by the speech of Lord Hoffman when delivering}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13243501\charrsid4476969 
 the judgment of the majority for the House of Lords in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid13243501\charrsid4476969 Investors Compensation Scheme Ltd v. West Bro}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\ul\lang2057\langfe1033\langnp2057\insrsid3740130\charrsid4476969 m}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid13243501\charrsid4476969 wich Building Society}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid13243501\charrsid4476969  (1998) 1 All ER 98 at page 114.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid11811804\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13243501\charrsid4476969 
\par 14.\tab Lord Hoffman explained}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13243501\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2504946\charrsid4476969 
\par }\pard \ltrpar\ql \li709\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid2504946\charrsid4476969 My Lord, I will say at once that I prefer the approach of the learned judge.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid2504946\charrsid4476969 But I think I should preface my explanation of my reasons with some general remarks about the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 principles by which contractual documents are nowadays construe}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3740130\charrsid4476969 d}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 I do not think that the fundamental change which has overtaken this branch of the law, particularly as a result of the speeches of Lord Wilberforce in }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 Prenn v. Simmonds}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969  [1971] 3 All ER 237 at 240-252.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 [1971] 1 WLR 1381 at 1384 \endash  1386 and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 Reardon Smith Line Ltd. v. Hansen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 Tangen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\lang2057\langfe1033\langnp2057\insrsid4476969 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\lang2057\langfe1033\langnp2057\insrsid8862992\charrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid8862992\charrsid4476969 Hansen-}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid16219945\charrsid4476969 Tangen }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 v. Sanko Steamship Co}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969  [1976] 3 All ER 570, [1976] 1 WLR 989, is always sufficiently appreciated.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 
The result has been, subject to one important exception, to assimilate the way in which such documents are interpreted by judges to the common sense principles by which any serious utterance would be interpreted in ordinary life.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 Almost all the old intellectual baggage of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 legal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969  interpretation has been discarded.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 The principles may be summarized as follows.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2504946\charrsid4476969 
\par }\pard \ltrpar\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1418\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard \ltrpar
\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin1418\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 
Interpretation is the ascertainment of the meaning which the document would convey to a reasonable person having all the backgrou
nd knowledge which would reasonably have been available to the parties in the situation in which they were at the time of the contract.
\par }\pard \ltrpar\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1418\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 \hich\af0\dbch\af0\loch\f0 (2)\tab}}\pard \ltrpar
\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin1418\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 
The background was famously referred to by Lord Wilberforce as the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 
matrix of fact}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 , but his phrase is, if anything, an understated}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid1581091\charrsid4476969  description of what the background may include.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid1581091\charrsid4476969 Subject to the requirement that it should have been reasonably available to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 
parties and to the exception to be mentioned next, it includes absolutely anything which would have affected the way in which the language of the documents would have been understood by a reasonable man.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid11941069\charrsid4476969 
\par }\pard\plain \ltrpar\s17\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1418\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 \hich\af0\dbch\af0\loch\f0 (3)\tab}}\pard\plain \ltrpar
\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin1418\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 The law excludes from the admissible background the previous negotiations of the parties and their declarations of subjective intent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 They are admissible only in an action for rectification.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 
The law makes this distinction for reasons of practical policy and, in this respect only, legal interpretation differs from the way we would interpret utterances in ordinary life.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 The boundaries of this exception are in some respects unclear.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9060440\charrsid4476969 But this is not the occasion on which to explore them.
\par }\pard\plain \ltrpar\s17\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1418\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11496691\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11496691\charrsid4476969 \hich\af0\dbch\af0\loch\f0 (4)\tab}}\pard\plain \ltrpar
\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin1418\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid11496691\charrsid4476969 The meaning which a document (or any other utterance) would convey to a reasonable man is not the same thing as the meaning of its words.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11496691\charrsid4476969 The meaning of words is a matter of dictionaries and grammars}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11496691\charrsid4476969 
 the meaning of the document is what the parties using those words against the relevant background would reasonably have been understood}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2238933\charrsid4476969  to mean.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2238933\charrsid4476969 
The background may not merely enable the reasonable man to choose between the possible meanings of
 words which are ambiguous but even (as occasionally happens in ordinary life) to conclude that the parties must, for whatever reason, have used the wrong words or syntax (see }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid2238933\charrsid4476969 Mannai Investment Co Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid2238933\charrsid4476969 v.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid2238933\charrsid4476969 Eagle Star Life Assurance Co Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2238933\charrsid4476969 . [1997] 3 All ER 352, [1997] 2 WLR 945)}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid11496691\charrsid4476969 
\par }\pard\plain \ltrpar\s17\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1418\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 \hich\af0\dbch\af0\loch\f0 (5)\tab}}\pard\plain \ltrpar
\ql \fi22\li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls21\adjustright\rin0\lin1418\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 
rule}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969  that words should be given their}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969  }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 
natural and ordinary meaning}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 
 reflects the commonsense proposition that we do not easily accept that people have made linguistic mistakes, particularly in formal documents.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 On the other hand, if one would nevertheless conclude from }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 
the background that something must have gone wrong with the language, the law does not require judges to attribute to the parties an intention which they plainly could not have had.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 Lord Diplock made this point more vigorously when he said in }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 Antaios Cia Naviera SA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 v.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 Salen Rederierna AB.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 The Antaios}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969  [1984] 2 All ER at 233, [1985] AC 191 at 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3823590\charrsid4476969 
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 
\par }\pard\plain \ltrpar\ql \li2160\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 
if detailed semantic and syntactical analysis of words in a commercial contract is going to lead to a conclusion that flouts business common sense, it must be made to yield to business common sense.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12852382\charrsid4476969 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2504946\charrsid4476969 
\par 15.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid597975\charrsid4476969 \tab The Court of Appeal in Fiji adopted Lord Hoffman}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid597975\charrsid4476969 s statement of the law in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid597975\charrsid4476969 
Hassan Din and Finance Sector Management Staff Association v. Westpac Banking Corporation}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid597975\charrsid4476969  C
ivil Appeal ABU0006/2003S Judgment 26 November 2004 (Ward P, Barker and Tompkins JJA}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3740130\charrsid4476969 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid597975\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2504946\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5532930\charrsid4476969 
\par 16.\tab The argument of the Appellants before this Court were the same as advanced in the Court of Appeal.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid5532930\charrsid4476969 I do not repeat them in this judgment. They are well summarized in paragraphs 12 through 18 in the Court of Appeal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 
'}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid5532930\charrsid4476969 s judgment.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6628722\charrsid4476969 
\par 17.\tab In the following passages the Court of Appeal gave their reasons for concluding against the Appellants on the ambiguity issue}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid6628722\charrsid4476969 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 [22]\tab Applying the principles set out by Lord Hoffman the es
sential question for our determination is to ascertain the meaning which would be conveyed by clause 18 to a reasonable person with the relevant background knowledge.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16592548\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 [23]\tab We have looked at the contract as a whole.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 We particularly remind ourselves that the meaning which a document conveys to a reasonable person is not the same thing as the meaning of its words.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 In this case we have been unassisted by the dictionary meanings cited to us by the appellants}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969  counsel.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 Likewise we have been unassisted by the criminal case of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 Delber}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\ul\lang2057\langfe1033\langnp2057\insrsid8407227\charrsid4476969 t}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\ul\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 -Evans v. Davies and Watson}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969  (}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid8407227\charrsid4476969 1949}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid8407227\charrsid4476969  2 All }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12933354\charrsid4476969 ER 167}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 
The critical words must be viewed in the context of the entire cont}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9598288\charrsid4476969 ract}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 
In our view the combined effect of clauses 10 and 18 is to la}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3682292\charrsid4476969 y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 
 down a claims procedure.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 First the insured must give notice forthwith.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 Then he must give notice}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid146901\charrsid4476969  of claim within 15 days and finally he must, if necessary, bring himself within clause 18 to hold the respondent liable in the event that the claim has not been accepted.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid14833282\charrsid4476969 Clearly the object of clause 10 is to alert the insurer promptly to the loss or damage }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid9598288\charrsid4476969 under}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid14833282\charrsid4476969  the policy and secondly the making of a claim.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid14833282\charrsid4476969 
The commercial purpose of clause 10 is to enable the insurer to take steps in an appropriate case to investigate the claim promptly, to effect whatever salvage is available and to take any other available steps in mitigation of loss.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16592548\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid3429157\charrsid4476969 [24]\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13969334\charrsid4476969 In contrast, clause 18 is}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid1720919\charrsid4476969  directed at the insurer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid1720919\charrsid4476969 s liability to the insured.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid1720919\charrsid4476969 It is directed at certainty for the insurer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid1720919\charrsid4476969 Clause 18 is a cut off provision as to the insurer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid1720919\charrsid4476969 s liability in regard to the claim to which it has earlier been alerted.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid24130\charrsid4476969 The clause is directly relevant to two important aspects of the insurance business.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid24130\charrsid4476969 First, the maintenance of adequate reserves for outstanding claims and secondly, the wider issue of fixing premiums.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid3429157\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16592548\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 [25]\tab The second and wider meaning contended for by the appellants}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969  counsel would not achieve the commercial objects just referred to.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 There would not be certainty for the insurer as to the termination of its liability to the insured.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 The clause would have an open ended meaning.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 It would not be clear as to precisely when the insurer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 s liability would be at an end.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 The wider objects of the clause in relation to the insurer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 s business would be frustrated.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16592548\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 [26]\tab We next turn to }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2623618\charrsid4476969 c}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 lause 10 and its relationship to clause 18.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 The meaning contended for by the appellants would be inconsistent with clause 10.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 The appellants formulation contemplates a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\ul\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 second}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969  notice which would be to the same effect as the notice required in clause 10.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 That result could not have been intended by the parties.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 The words }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 pending action}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969  must therefore}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969  refer to another event, namely, an action having actually been commenced.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid12733084\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 
\par [27]\tab Lastly we refer to clause 12 which deals with, }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 inter alia}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 , the situation where a claim is rejected.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 That clause provides}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 
\par }\pard \ltrpar\ql \fi-709\li2127\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2127\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 
\par }\pard \ltrpar\ql \li1440\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 \'85 if the claim be made and rejected and an action or suit be not commenced within 3 months after such rejection \'85 all benefit under this policy shall be forfeited.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 
\par }\pard \ltrpar\ql \fi-709\li2127\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2127\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 
\par }\pard \ltrpar\ql \li1418\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1418\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16481928\charrsid4476969 If the appellants}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16481928\charrsid4476969  construction is accepted then the words }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16481928\charrsid4476969 action}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16481928\charrsid4476969  would have a different meaning in clause 18 from the meaning which it has in clause 12.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16481928\charrsid4476969 Clearly that could not have been the intention of the parties.
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16481928\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089\charrsid4476969 [28]\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16481928\charrsid4476969 Accordingly for the reasons given}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2630299\charrsid4476969  we reject the appellants}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid2630299\charrsid4476969  contentions.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2630299\charrsid4476969 
We conclude that the words }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2630299\charrsid4476969 pending action}{\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2630299\charrsid4476969  on a proper}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid13649123\charrsid4476969  construction have only one meaning in the context of clause 18 and the policy as whole.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13649123\charrsid4476969 They refer to an action which has actually being commenced in a court of law within 12 months from the occurrence of the loss or damage.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid13649123\charrsid4476969 We therefore agree with the conclusion of Coventry J.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid8000089 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid6647108\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid409570\charrsid4476969 18.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6974766\charrsid4476969 \tab 
I so fully agree with the reasoning of the Court of Appeal and indeed that of Coventry J at first instance, that I adopt these statements without qualification as representing my reasons for concluding that this appeal must be dismissed.
\par 
\par 19.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6974766\charrsid4476969 
t is unnecessary to give an opinion on the modern scope of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid6974766\charrsid4476969 contra proferentem }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid6974766\charrsid4476969 rule.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6974766\charrsid4476969 
However there is authority}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8873130\charrsid4476969  that its importance has declined in modern times.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8873130\charrsid4476969 Much depends on the context of the commercial document being construed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid1795554\charrsid4476969 
\par 
\par 20.\tab I agree with what Kirby J said in the High Court of Australia in }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid1795554\charrsid4476969 Rich v. CGU Insurance}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid1795554\charrsid4476969 , 2005 13 ANZ Insurance Cases 61-642 at paragraph 24}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid1795554\charrsid4476969 
\par }\pard \ltrpar\ql \fi-709\li709\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1795554\charrsid4476969 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid2257947\charrsid4476969 For me, this is an interpretive tool of last resort, where analysis of a contested text does not otherwise yield a satisfying conclusion.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2257947\charrsid4476969 Moreover, the }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid2257947\charrsid4476969 contra proferentem}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid2257947\charrsid4476969  rule}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang2057\langfe1033\langnp2057\insrsid10706970\charrsid4476969  obviously has less application in cases where, as here, both parties are corporations experienced in, and familiar with, insurance poli
cies of the kind the subject of these appeals, and where both parties have enjoyed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid10124576\charrsid4476969 legal advice and are of roughly equal bargaining power.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid4476969 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid1795554\charrsid4476969 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang2057\langfe1033\langnp2057\insrsid16592548\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1795554\charrsid4476969 21.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid409570\charrsid4476969 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid6760150\charrsid4476969 I am surprised that leave was given by the Court of Appeal in this case which at all times has been barely arguable.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6760150\charrsid4476969 I do not think the Court would have given special leave on a petition.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6760150\charrsid4476969 That because of the little chance of success where the Courts below had }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid11815584\charrsid4476969 fully and correctly expounded }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8024883\charrsid4476969 the applicable principles.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8024883\charrsid4476969 The leave was given on account of the need to remind practitioners of the need to avoid professional negligence.}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid8024883\charrsid4476969 
On the facts of this case the profession should never have needed reminding. Importantly where there is a barely arguable case and the absence }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6436070\charrsid4476969 
of a question of significant public importance the Court of Appeal should decline leave.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid2588557\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6436070\charrsid4476969 
\par 22.\tab In my view this appeal must be dismissed and costs assessed at $6,000 should be awarded in favour of the Respondent.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid6647108 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid15742566\charrsid4476969 Justice Sriskandarajah
\par }\pard \ltrpar\ql \fi-709\li709\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15742566\charrsid4476969 
\par 23.\tab I }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid527803\charrsid4476969 also }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15742566\charrsid4476969 
agree with the judgment, the reasoning and the proposed orders of Justice William Marshall.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid15742566\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 Anthony Gates}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid527803\charrsid4476969 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969  President}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid1705109 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid6647108\charrsid4476969 
\par }\pard \ltrpar\ql \fi-709\li709\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 Orders of the Court}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid1705109 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid6647108\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid15742566\charrsid4476969 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 .\tab The orders of the Court are}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid4476969 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard \ltrpar
\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\adjustright\rin0\lin720\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 the appeal be dismissed.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 \hich\af0\dbch\af0\loch\f0 (2)\tab}the appellants do pay the respondents costs assessed at $6,000.
\par }\pard \ltrpar\ql \fi-709\li709\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid4476969 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid1705109\charrsid4476969 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13052400\charrsid4476969 Hon. Chief Justice Anthony Gates
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid13052400\charrsid4476969 President of the Supreme Court
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid13052400\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13052400\charrsid4476969 Hon. Justice William Marshall
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid13052400\charrsid4476969 Justice of the Supreme Court
\par }\pard\plain \ltrpar\s17\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid14175329\charrsid4476969 
\par }\pard\plain \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6647108 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid10255012\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3046227\charrsid4476969 Hon. Justice }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid3898184\charrsid4476969 Sriskandarajah}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang2057\langfe1033\langnp2057\insrsid3046227\charrsid4476969 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid3046227\charrsid4476969 Justice of the Supreme Court
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang2057\langfe1033\langnp2057\insrsid13639562\charrsid4476969 
\par }\pard\plain \ltrpar\s17\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid4476969 \rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs22 
\ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid10255012\charrsid4476969 
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\ul\lang2057\langfe1033\langnp2057\insrsid3558819\charrsid4476969 Solicitors}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3558819\charrsid4476969 :}{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 
\b\lang2057\langfe1033\langnp2057\insrsid154207\charrsid4476969 
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3558819\charrsid4476969 Parshotam & Co for }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11950095\charrsid4476969 Petitioners}{\rtlch\fcs1 
\af0\afs22 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid3558819\charrsid4476969 
\par }{\rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\lang2057\langfe1033\langnp2057\insrsid11950095\charrsid4476969 A K Lawyers for Respondent
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