{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch0\stshfloch31506\stshfhich31506\stshfbi31506\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs1115{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}
{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings;}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings;}
{\f39\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\f41\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}Segoe UI;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq0{\*\panose 00000000000000000000}Iskoola Pota{\*\falt Times New Roman};}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq0{\*\panose 00000000000000000000}Iskoola Pota{\*\falt Times New Roman};}{\f282\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f283\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f285\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f286\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f287\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f288\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f289\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f290\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f302\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}{\f303\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}
{\f305\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f306\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f307\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}{\f308\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}
{\f309\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f310\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}{\f672\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f673\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\f675\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f676\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f677\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew);}{\f678\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic);}
{\f679\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\f680\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f692\fbidi \fswiss\fcharset238\fprq2 Segoe UI CE;}{\f693\fbidi \fswiss\fcharset204\fprq2 Segoe UI Cyr;}
{\f695\fbidi \fswiss\fcharset161\fprq2 Segoe UI Greek;}{\f696\fbidi \fswiss\fcharset162\fprq2 Segoe UI Tur;}{\f697\fbidi \fswiss\fcharset177\fprq2 Segoe UI (Hebrew);}{\f698\fbidi \fswiss\fcharset178\fprq2 Segoe UI (Arabic);}
{\f699\fbidi \fswiss\fcharset186\fprq2 Segoe UI Baltic;}{\f700\fbidi \fswiss\fcharset163\fprq2 Segoe UI (Vietnamese);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\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\f31533\fbidi \fswiss\fcharset177\fprq2 Calibri Light (Hebrew);}{\fhimajor\f31534\fbidi \fswiss\fcharset178\fprq2 Calibri Light (Arabic);}
{\fhimajor\f31535\fbidi \fswiss\fcharset186\fprq2 Calibri Light Baltic;}{\fhimajor\f31536\fbidi \fswiss\fcharset163\fprq2 Calibri Light (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31573\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew);}{\fhiminor\f31574\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic);}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}}{\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;
\caccentone\ctint255\cshade191\red47\green84\blue150;\red255\green51\blue153;\red112\green48\blue160;\red0\green112\blue192;\red34\green34\blue34;\red0\green176\blue80;\cbackgroundone\ctint255\cshade255\red255\green255\blue255;\red255\green0\blue102;}
{\*\defchp \f31506\fs22 }{\*\defpap \ql \li0\ri0\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\sa160\sl259\slmult1
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\ab\af0\afs27\alang1025 \ltrch\fcs0 \b\fs27\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext3 \slink16 \sqformat \spriority9 \styrsid12214977 heading 3;}{
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\sbasedon0 \snext4 \slink17 \sqformat \spriority9 \styrsid12214977 heading 4;}{\*\cs10 \additive \ssemihidden \sunhideused \spriority1 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 \af31506\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \snext11 \ssemihidden \sunhideused Normal Table;}{\*\cs15 \additive 
\rtlch\fcs1 \af0\afs26 \ltrch\fcs0 \fs26\cf17\loch\f31502\hich\af31502\dbch\af31501 \sbasedon10 \slink2 \slocked \ssemihidden \spriority9 \styrsid1927239 Heading 2 Char;}{\*\cs16 \additive \rtlch\fcs1 \ab\af0\afs27 \ltrch\fcs0 
\b\f0\fs27\lang2057\langfe2057\langnp2057\langfenp2057 \sbasedon10 \slink3 \slocked \spriority9 \styrsid12214977 Heading 3 Char;}{\*\cs17 \additive \rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057 
\sbasedon10 \slink4 \slocked \spriority9 \styrsid12214977 Heading 4 Char;}{\s18\ql \li720\ri0\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext18 \sqformat \spriority34 \styrsid3492637 List Paragraph;}{\s19\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext19 \slink20 \sunhideused \styrsid677016 header;}{\*\cs20 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 
\sbasedon10 \slink19 \slocked \styrsid677016 Header Char;}{\s21\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext21 \slink22 \sunhideused \styrsid677016 footer;}{\*\cs22 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \slink21 \slocked \styrsid677016 Footer Char;}{\*\ts23\tsrowd
\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 \sbasedon11 \snext23 \spriority39 \styrsid12668137 
Table Grid;}{\*\cs24 \additive \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b \sbasedon10 \sqformat \spriority22 \styrsid12214977 Strong;}{\s25\ql \li0\ri0\sb100\sa100\sbauto1\saauto1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \af0\afs24\alang1025 \ltrch\fcs0 \fs24\lang2057\langfe2057\cgrid\langnp2057\langfenp2057 \sbasedon0 \snext25 \sunhideused \styrsid12214977 Normal (Web);}{\*\cs26 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf2 
\sbasedon10 \ssemihidden \sunhideused \styrsid12214977 Hyperlink;}{\*\cs27 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i \sbasedon10 \sqformat \spriority20 \styrsid12214977 Emphasis;}{
\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af41\afs18\alang1025 \ltrch\fcs0 \f41\fs18\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
\sbasedon0 \snext28 \slink29 \ssemihidden \sunhideused \styrsid14027440 Balloon Text;}{\*\cs29 \additive \rtlch\fcs1 \af41\afs18 \ltrch\fcs0 \f41\fs18 \sbasedon10 \slink28 \slocked \ssemihidden \styrsid14027440 Balloon Text Char;}}{\*\listtable
{\list\listtemplateid-1032404546\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 
\fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li6480\lin6480 }{\listname ;}\listid74939777}{\list\listtemplateid1732036846\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat2\levelspace0\levelindent0{\leveltext\leveltemplateid67698703
\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers
\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 
\af0 \ltrch\fcs0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fi-180\li6480\lin6480 }{\listname ;}\listid184371304}{\list\listtemplateid-2091994656\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0 
\fi-360\li1800\lin1800 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc23
\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0
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\par }}{\*\ftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid677016 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13398610 \chftnsepc 
\par }}{\*\aftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid677016 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13398610 \chftnsep 
\par }}{\*\aftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid677016 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid13398610 \chftnsepc 
\par }}\ltrpar \sectd \ltrsect\psz9\linex0\footery918\endnhere\sectlinegrid360\sectdefaultcl\sectrsid15618597\sftnbj {\footerr \ltrpar \pard\plain \ltrpar\s21\qc \li0\ri0\widctlpar
\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid14506712  PAGE   \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid2448750 15}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14506712 
\par }\pard \ltrpar\s21\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14506712 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2448750 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5859893\charrsid2448750 IN THE SUPREME COURT OF FIJI
\par APPELLATE JURISDICTION
\par 
\par 
\par CIVIL PETITION NO. CBV 0001 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3497915\charrsid2448750 of 2020}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5859893\charrsid2448750 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid2448750 [Court of Appeal No. ABU }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14120822\charrsid2448750 115 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5859893\charrsid2448750 of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14120822\charrsid2448750 2017}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid2448750 ]
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5859893\charrsid2448750 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid2448750 BETWEEN\tab \tab :\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2448750 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid2448750 NEW INDIA ASSURANCE
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid5859893\charrsid2448750 Petitioner
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid2448750 
\par 
\par 
\par AND\tab \tab \tab :\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2448750 
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid2448750 PUNJAS AND SONS LIMITED
\par OCEAN SOAPS LIMITED
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid5859893\charrsid2448750 Respondents
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid2448750 
\par 
\par 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid5859893\charrsid14616283 
\par 
\par Coram}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283 \tab \tab \tab :\tab The Hon. Mr. Justice Anthony Gates
\par \tab \tab \tab \tab Judge of the Supreme Court
\par 
\par }\pard \ltrpar\qj \fi720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283 The Hon. Mr. Justice Priyasath Dep
\par Judge of the Supreme Court
\par 
\par The Hon. Mr. Justice Priyantha Jayawardena 
\par Judge of the Supreme Court
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid5859893\charrsid14616283 
\par 
\par 
\par Counsel}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283 \tab \tab :\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5406090\charrsid14616283 Mr F. Haniff }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5859893\charrsid14616283 for the Petitioner
\par \tab \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5406090\charrsid14616283 Mr C. B. Young }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283 for the Respondent
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf18\insrsid5859893\charrsid14616283 
\par 
\par 
\par }\pard \ltrpar\ql \li0\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid5859893\charrsid14616283 Date of Hearing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5859893\charrsid14616283 \tab :\tab 17}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15470510\charrsid14616283  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283 October}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283  2022\tab 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid5859893\charrsid14616283 Date of Judgment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283 \tab :\tab 28}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4483871\charrsid14616283  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283 October}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid14616283  2022    
\par 
\par }\pard \ltrpar\qc \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \f0\fs28\ul\insrsid5859893\charrsid14616283 JUDGMENT
\par }\pard \ltrpar\ql \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid5859893 Gates }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid5859893\charrsid15941898 J
\par }\pard \ltrpar\qj \fi-660\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [1]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15945636 \tab I have }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7023246 read}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15945636  the judgment of Jayawardena J. I agree with the reasons given
 and the orders proposed.  The petition must fail both on its grounds and on its inability to meet the criteria for special leave.  It raises matters that are only of concern to the parties.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 

\par }\pard \ltrpar\qj \li0\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid5859893\charrsid3087997 Dep J
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid3087997 [2]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3087997 \tab I have read in draft the judgment of Jayawardena J and I agree with his reasoning and conclusions.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid3087997 
\par }\pard \ltrpar\qj \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid5859893\charrsid5859893 Jayawardena J
\par }\pard \ltrpar\qj \li0\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid1911995\charrsid9859875 F}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\insrsid13316698\charrsid9859875 acts of the Case}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid3090160\charrsid9859875 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698 [3]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7041960\charrsid10623514 The f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698\charrsid10623514 irst respondent\rquote s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4994254\charrsid10623514  (first plaintiff)}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698\charrsid10623514  building was damaged by fire on the 19}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid9063698\charrsid10623514 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9063698\charrsid10623514  of February, 2003}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf6\insrsid9063698\charrsid9063698 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698 [4]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2966981\charrsid3815710 The second respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4994254  (second plaintiff)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 , who is a wholly owned
 subsidiary of the first respondent, had been engaging in the business of manufacturing and distributing soap products at the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11215752 same}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 premises. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710   
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid10623514 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13858835\charrsid10623514 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid10623514 ]}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698\charrsid10623514 As a result of the fire}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7041960\charrsid10623514 ,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698\charrsid10623514  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514 he first respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2966981\charrsid3815710  suffered loss and damage to the building}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710  Further, the secon
d respondent, who had been located in the same building, also suffered loss}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7041960\charrsid10623514 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710  damage }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698 and destruction to its business}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 . 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid10623514 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13858835\charrsid10623514 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid10623514 ]}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 At the time o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698 f the fire, there was a}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7605937 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698  insurance policy which }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14164924\charrsid10623514 covered}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf18\insrsid14164924  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9063698 material }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514 damage }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514\charrsid10623514 and}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710  business }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7605937 interruption }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14164924\charrsid10623514 for}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf18\insrsid14164924  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 the first and second respondents}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7605937 .}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7605937  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid10623514 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13858835\charrsid10623514 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893\charrsid10623514 ]}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7605937 After the fire}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 , the petitioner}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid4994254  (defendant)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15274976\charrsid10623514 had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10623514 admitted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13390043 part of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514 the claim and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10119700 
 paid a sum of $3,000,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 000}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10119700 /-}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 
 to the respondents in respect of the material damage. Further, $1,981,359 had been paid in respect of the business interruption claim. 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13858835 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13390043 
However}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13794368\charrsid10623514 , the petitioner purportedly relied on}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9719361\charrsid10623514 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15274976\charrsid10623514  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid2966981\charrsid10623514 \lquote malicious damage limitation\rquote  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514 under the insurance policy and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13794368\charrsid10623514  restricted its liability to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10119700\charrsid10623514  $3,000,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514 000}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10119700\charrsid10623514 /-}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13794368\charrsid10623514  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514 for the material damage claim.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13858835 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10623514\charrsid10623514 As the parties could not reach}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13794368\charrsid10623514  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15274976\charrsid10623514 consensus }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13794368\charrsid10623514 on the claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15274976\charrsid10623514 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514 
 the respondents had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13794368\charrsid10623514 instituted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514 proceedings }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13794368\charrsid10623514 in the High Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514 to recover the total value of their claims under the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2758520 
said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13794368\charrsid10623514 insurance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2966981\charrsid10623514  policy. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10436698\charrsid3815710 
\par }\pard \ltrpar\qj \fi720\li720\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid860361\charrsid1782331 Agreed Facts}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid1328951\charrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10436698\charrsid1782331 Before the learned Master}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15274976\charrsid1782331 
 of the High Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf18\insrsid8940850\charrsid1782331 
\par }\pard \ltrpar\qj \fi-360\li1800\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4598585\charrsid1782331 \'931.\tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid860361\charrsid1782331 The First Plaintiff is, and was at all material times, a duly incorporated company having its registered office at 63 Vitogo Parade, Lautoka carrying on business as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10114937\charrsid1782331 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid10114937\charrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid860361\charrsid1782331 
manufacturer, importer and distributer of consumer goods. 
\par }\pard\plain \ltrpar\s18\qj \li1800\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid860361\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid860361\charrsid1782331 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ltrpar
\s18\qj \fi-360\li1800\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid860361\charrsid1782331 
The Second Plaintiff is, and was at all material times, a duly incorporated company having its registered office at 63 Vitogo Parade, Lautoka carrying on business as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10114937\charrsid1782331 a}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid10114937\charrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid860361\charrsid1782331 manufacturer and distributor of soaps. 
\par }\pard \ltrpar\s18\qj \li1800\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid860361\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103353\charrsid1782331 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \ltrpar
\s18\qj \fi-360\li1800\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
The Second Plaintiff is, and was at all material times a wholly owned subsidiary of the First Plaintiff. 
\par }\pard \ltrpar\s18\qj \li1800\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103353\charrsid1782331 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \ltrpar
\s18\qj \fi-360\li1800\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
The Defendant is, and was at all material times, a foreign company duly incorporated under the laws of India and having its principal place of business in Fiji at Suva carrying on business in Fiji as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10114937\charrsid1782331  an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331  insurance underwriter. 
\par }\pard \ltrpar\s18\qj \li1800\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103353\charrsid1782331 \hich\af0\dbch\af0\loch\f0 5.\tab}}\pard \ltrpar
\s18\qj \fi-360\li1800\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
By a material damage and business interruption policy of insurance number 922622/1112/12376/00 (\'93the policy\'94), in consideration
 of premium paid by the First and Second Plaintiffs to the Defendant insured the First and Second Plaintiffs against risks (including fire) and for the amounts mentioned in the policy. The policy insured, inter alia;
\par }\pard \ltrpar\s18\qj \li720\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid15103353\charrsid14378463 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103353\charrsid1782331 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard \ltrpar
\s18\qj \fi-360\li2160\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\ilvl1\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 The First Plaintiff
\rquote s buildings situated at Sautamata Street, Lautoka which buildings were, at the material time, lawfully occupied by the Second Plaintiff;
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103353\charrsid1782331 \hich\af0\dbch\af0\loch\f0 b.\tab}}\pard \ltrpar
\s18\qj \fi-360\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\ilvl1\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 The Second Plaintiff\rquote 
s plant and machinery and stock in the said building; and 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103353\charrsid1782331 \hich\af0\dbch\af0\loch\f0 c.\tab}The Second Plaintiff\rquote s loss of income.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4598585\charrsid1782331 

\par }\pard \ltrpar\s18\qj \li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331  
\par }\pard \ltrpar\s18\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1515038\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid15103353\charrsid1782331 \hich\af0\dbch\af0\loch\f0 6.\tab}}\pard \ltrpar
\s18\qj \fi-360\li1800\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
The provisions of the policy included:
\par }\pard \ltrpar\s18\qj \li1800\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid4598585\charrsid1782331 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15103353\charrsid1782331 Section 1 \endash  Material Damage
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid15103353\charrsid1782331 Progress Claim Payments
\par }\pard\plain \ltrpar\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 In the event of loss or }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 damage}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15103353\charrsid1782331 
 giving rise to a claim under this Policy, the company will make progress claim payments on production of acceptable evidence of insured loss. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7613056\charrsid1782331 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
\par Provided that, if the aggregate of progress payments exceeds the total amount of the adjusted loss, the insured will immediately refund the difference between the amount of adjusted loss and the aggregate of payments actually made. 
\par }\pard \ltrpar\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
\par }\pard \ltrpar\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid1647605\charrsid1782331 Section 2 \endash  Business Interruption 
\par }\pard \ltrpar\qj \li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7613056\charrsid1782331 
\par }\pard \ltrpar\qj \fi-720\li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\insrsid1647605\charrsid1782331 Progress Claims Payments}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid7613056\charrsid1782331 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 \tab 
In the event of Damage giving rise to a claim under this Policy, the Company will make progress claim payments on production of a statement of claim certified by the Accountant appointed in accordance with the \'93Claims\'94 condition of this policy. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7613056\charrsid1782331 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1647605\charrsid1782331 \hich\af0\dbch\af0\loch\f0 7.\tab}}\pard\plain \ltrpar
\s18\qj \fi-360\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 On 19 February 2003, whilst the policy was current, the First Plaintiff\rquote s buildings, and the Second Plaintiff\rquote 
s business including plant and machinery and stock, was totally destroyed by fire. 
\par }\pard \ltrpar\s18\qj \li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1647605\charrsid1782331 \hich\af0\dbch\af0\loch\f0 8.\tab}}\pard \ltrpar
\s18\qj \fi-360\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
The Defendant was duly advised of the loss and a written claim was lodged in terms of the policy. 
\par }\pard \ltrpar\s18\qj \li2160\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1647605\charrsid1782331 \hich\af0\dbch\af0\loch\f0 9.\tab}}\pard \ltrpar
\s18\qj \fi-360\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
As a result of such destruction by fire the First and Second Plaintiffs suffered loss. 
\par }\pard \ltrpar\s18\qj \li2160\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid1647605\charrsid1782331 \hich\af0\dbch\af0\loch\f0 10.\tab}}\pard \ltrpar
\s18\qj \fi-360\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin2160\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
The Defendant admitted the claim and has, to date, made the following process payments to the First and Second Plaintiffs:
\par }\pard \ltrpar\s18\qj \li1800\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 
\par }\pard \ltrpar\s18\qj \li2520\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 10.1 }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\ul\insrsid1647605\charrsid1782331 Material Damage claim }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 - $3,000,000.00
\par         $1,000,000 on 19 May 2003
\par \tab 500,000 on 4 July 2003
\par \tab 500,000 on 11 April 2004
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331          }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1647605\charrsid1782331 1,000,000 on 28 August 2004
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1515038\charrsid1782331 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331 10.2 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid16603973\charrsid1782331 Business interruption claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16603973\charrsid1782331  - $1,981,359.00
\par }\pard\plain \ltrpar\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331                     $250,000 on 24 November 2003
\par \tab           500,000 on 20 May 2004
\par \tab           250, 000 on 4 June 2004
\par }\pard \ltrpar\qj \li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331 \tab       }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9859875\charrsid1782331 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331     981, 359 on 16 December 2005
\par 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16603973\charrsid1782331 \hich\af0\dbch\af0\loch\f0 11.\tab}}\pard\plain \ltrpar
\s18\qj \fi-450\li2250\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin0\lin2250\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331 The First and Second Plaintiff}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8940850\charrsid1782331 \rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16603973\charrsid1782331 s balance claim is as follows:
\par }\pard \ltrpar\s18\qj \li2250\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2250\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13316698\charrsid1782331 
\par }\pard \ltrpar\s18\qj \li2250\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2250\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331 
11.1 Balance of Material Damage claim       - $2,761,647.00
\par }\pard \ltrpar\s18\qj \li2250\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2250\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331 
11.2 Balance of Business Interruption claim - $ 253,466.00}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4598585\charrsid1782331 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16603973\charrsid1782331 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid7568130\charrsid14378463 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid7568130\charrsid1782331 M}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid13316698\charrsid1782331 aster\rquote s Order}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\insrsid7568130\charrsid1782331 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [10]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2174785\charrsid3815710 Having considered the evidence led before the learned Master}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8940850  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8940850\charrsid10623514 
of the High Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid3815710 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1328951\charrsid3815710 he delivered the order on the 24}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid1328951\charrsid3815710 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1328951\charrsid3815710  of March, 2016}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid8864470\charrsid3815710 ,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1328951\charrsid3815710  and stated}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9858781  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9858781\charrsid9858781 inter alia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1328951\charrsid3815710 ;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16729512 
\par }\pard \ltrpar\qj \fi-540\li2520\ri386\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin2520\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2173966\charrsid1782331 \'93
40. The Defendant did not deny their obligation to pay under the Insurance Policy. The issue was relating to the amount. Under MD Defendant had accepted liability under all headings presented to the court, but their assessment of damages was different fro
m the Plaintiff\rquote s.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8477752\charrsid1782331 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2173966\charrsid1782331 
\par }\pard \ltrpar\ql \fi540\li1980\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1980\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8477752\charrsid1782331 \'85\'85\'85\'85\'85\'85\'85\'85
\par \'85\'85\'85\'85\'85\'85\'85\'85
\par }\pard \ltrpar\qj \fi-540\li2520\ri386\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin2520\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13316698\charrsid1782331 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8477752\charrsid1782331 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6109486\charrsid1782331 
261. It should also be noted long before this date the parties have tried to settle the claims and had also agreed certain clams, but no payments regarding the said claims were settled by the Defendant. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\insrsid6109486\charrsid1782331 So the Defendant had unreasonably held claims due to the Plaintiff for a considerable time period}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6109486\charrsid1782331 
. It was not my duty to evaluate the insurance claim payment process, but the time taken was too long and the Defendant had stopped the process of engaging pro
fessionals. There was no communication produced in the court indicating termination of the engagement of lost adjuster to the Plaintiff. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid6109486\charrsid1782331 
This behavior also supports unreasonable for the Plaintiff to recover their claims for the loss early.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6109486\charrsid1782331 \'94
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514\charrsid1782331 \tab \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514\charrsid1782331 \'85}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514\charrsid1782331 \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10623514\charrsid1782331 \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1782331 \tab \'85 \'85 \'85 \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid1782331\charrsid1782331 
\par }\pard \ltrpar\qj \li540\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin540\itap0\pararsid14616283 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10623514\charrsid1782331 \tab \tab         }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid10623514\charrsid1782331  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1782331 \tab \tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10623514\charrsid1782331 \tab \tab }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid16729512\charrsid1782331 
\par }\pard \ltrpar\qj \fi720\li1260\ri386\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin1260\itap0\pararsid14616283 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16729512\charrsid1782331 F}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid13316698\charrsid1782331 inal }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16729512\charrsid1782331 O}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13316698\charrsid1782331 rder}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid16729512\charrsid1782331  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13316698\charrsid1782331 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16729512\charrsid1782331 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard\plain \ltrpar
\s18\qj \fi-360\li2340\ri386\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin386\lin2340\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16729512\charrsid1782331 The Defendant to pay the Plaintiffs a sum of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9858781\charrsid1782331 $ }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16729512\charrsid1782331 1,926,058 and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9858781\charrsid1782331  interest at the rate of 10% per annum}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16729512\charrsid1782331  from 6}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\insrsid16729512\charrsid1782331 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16729512\charrsid1782331  May, 2011. 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16729512\charrsid1782331 \hich\af0\dbch\af0\loch\f0 b.\tab}Applicable VAT for (a) should be paid by the Defendant for the above sum.
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid16729512\charrsid1782331 \hich\af0\dbch\af0\loch\f0 c.\tab}Considering the circumstances of the case I will not grant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8864470\charrsid1782331 costs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16729512\charrsid1782331 . Each party to bear their own costs.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2049489\charrsid1782331 \'94}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16729512\charrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2173966\charrsid1782331  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13974987\charrsid1782331 
\par }\pard\plain \ltrpar\qj \li0\ri386\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin0\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7568130 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid13316698\charrsid7219500 Judgment of the High Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid7568130\charrsid7219500 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [11]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10436698\charrsid3815710 Being aggrieved by the said order of the learned Master}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10890405  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10890405\charrsid9779068 of the High Court}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10436698\charrsid9779068 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10436698\charrsid3815710 the respondent appealed to the High Court. After hearing the appeal}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid10890405 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10436698\charrsid3815710  t}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid10623430\charrsid3815710 he }{\rtlch\fcs1 \af0\afs24\alang1115 
\ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid3815710 High Court delivered its judgment on the 31}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\super\insrsid2174785\charrsid3815710 st}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 
\f0\fs24\insrsid2174785\charrsid3815710  of August, 2017}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\cf19\insrsid8864470\charrsid3815710 ,}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid3815710  and stated;}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid3815710 
\par }\pard \ltrpar\qj \li1440\ri746\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1440\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid16541876 \'93appeal }{\rtlch\fcs1 
\af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid10623430\charrsid16541876 dismisse}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid677016\charrsid16541876 d, }{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 
\f0\fs24\insrsid10623430\charrsid16541876 the Master}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid677016\charrsid16541876 \rquote }{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid10623430\charrsid16541876 
s Decision is affirmed and the F}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid677016\charrsid16541876 ir}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid10623430\charrsid16541876 
st and Second Appellants shall each pay the Respondent $750 as costs }{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid677016\charrsid16541876 summarily }{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid10623430\charrsid16541876 
assessed of the Appeal}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid677016\charrsid16541876 .}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid16541876 \'94}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 
\f0\fs24\insrsid10623430\charrsid16541876 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \i\f0\fs24\insrsid10436698\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\insrsid10890405\charrsid9779068 [12]}{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\cf18\insrsid10890405 \tab }{\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 
\f0\fs24\insrsid10436698\charrsid3815710 Thereafter, the petitioner appealed to the Court of Appeal.
\par }\pard \ltrpar\qr \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \af0\afs24\alang1115 \ltrch\fcs0 \f0\fs24\cf20\insrsid2174785\charrsid3815710  }{\rtlch\fcs1 \af0\afs24\alang1115 
\ltrch\fcs0 \f0\fs24\cf20\insrsid677016\charrsid3815710 
\par }\pard \ltrpar\ql \li0\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid7750439\charrsid6949140 
Judgment of the Court of Appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid4864930\charrsid6949140  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid6949140  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid6949140 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid2179263\charrsid14378463 [13]
\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid14378463 After the conclusion of the hearing the Court of Appeal delivered its judgment and held inter alia;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\insrsid4864930\charrsid14378463  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid10160926\charrsid14378463 \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7750439 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid10160926\charrsid14378463 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7750439 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid16541876 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 The decision
\par }\pard \ltrpar\qj \li1440\ri386\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin1440\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid10160926\charrsid16541876 [112]}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7750439\charrsid16541876 \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 I must make it clear that by virtue of this judgment, in addition to what the Master has awarded, I have allowed the claims of the Appellant}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid8864470\charrsid16541876 s in respect of the transformer }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 
($147,200), VAT ($375,000) and Interest (from 01.12.2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid8864470\charrsid16541876 004). Accordingly, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid5973932\charrsid16541876 the judgment of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876  the High Court dated 31.08.2017 }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid8864470\charrsid16541876 is set aside. The appeal of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 Appellants is }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid5973932\charrsid16541876 allowed in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 
 part. The Decision of the Mas}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid8864470\charrsid16541876 ter dated 24.03.2016 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid11415113\charrsid16541876 was varied and the Court of Appeal made the following order;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid2174785\charrsid16541876 
\par }\pard \ltrpar\qj \li0\ri0\sa160\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid16541876 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid10160926\charrsid16541876              }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 
The Orders of the Court are}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\cf21\chshdng0\chcfpat0\chcbpat8\insrsid10160926\charrsid16541876 
\par }\pard \ltrpar\qj \li720\ri0\sa160\widctlpar\tx540\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid16541876 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 1. The Judgment of the High Court dated 31.08.2017 is set aside}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\insrsid3810149\charrsid16541876 

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid16541876 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 
2. The appeal of the Appellants is partly allowed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\insrsid3810149\charrsid16541876 
\par }\pard \ltrpar\qj \li720\ri0\sa160\widctlpar\tx540\tx720\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid16541876 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 3. Decision of the Master dated 24.03.2016 is varied}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\insrsid3815710\charrsid16541876 
\par }\pard \ltrpar\qj \fi-270\li1710\ri386\sa160\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin1710\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\insrsid3815710\charrsid16541876 4. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 The Appellants will be entitled to a sum of $147,200 as indemnity costs in respect of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\insrsid3815710\charrsid16541876  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 the loss of the transformer }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\insrsid3810149\charrsid16541876 
\par }\pard \ltrpar\qj \fi-270\li1710\ri386\sa160\widctlpar\tx540\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin1710\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 
5. The Appellants will be entitled to a sum of $375,000 on account of the VAT claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\insrsid3815710\charrsid16541876 
\par }\pard \ltrpar\qj \fi-270\li1710\ri386\sa160\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin1710\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 6. The Appellants will be entitled to receive simple interest at the rate of 10% on the sum}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\insrsid3810149\charrsid16541876  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3815710\charrsid16541876 of $694,699, on the sum of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3815710\charrsid16541876 $}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10119700\charrsid16541876 147,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 200 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 and on the sum of $375,000 from 01.12.2004}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\insrsid3810149\charrsid16541876 
\par }\pard \ltrpar\qj \li720\ri0\sa160\widctlpar\tx540\tx1440\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid16541876 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid3810149\charrsid16541876 7. The Appellants are entitled $5000 as costs of this appeal.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid10160926\charrsid16541876 \'94 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf6\chshdng0\chcfpat0\chcbpat8\insrsid9779068\charrsid16541876  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf21\insrsid1707238\charrsid16541876 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2179263 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 Being aggrieved by the said judgment of the Court of Appeal}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2179263 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 
 the petitioner preferred an application to the Supreme Court seeking special leave to appeal against the said judgment of the Court of Appeal and to set aside the judgment of the Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2179263 o}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 f Appeal. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266 
\par }\pard \ltrpar\qj \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid15538116\charrsid16541876 A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\insrsid7750439\charrsid16541876 pplication for Special }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid16718967\charrsid16541876 L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid7750439\charrsid16541876 eave to Appeal}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid11827107\charrsid16541876 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2179263 [15]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 The application for special leave}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7236266\charrsid11415113  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2179263\charrsid9779068 to appeal }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3815710\charrsid11415113 consists}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7236266\charrsid11415113  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 of the following three grounds;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4330085\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid1911995 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5859893 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7236266\charrsid1911995 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10905436\charrsid1911995 First Issue \endash 
 Transformer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid13916854\charrsid2179263 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10905436\charrsid3815710 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard\plain \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10905436\charrsid3815710 The Court of Appeal held the First Respondent to be entitled to a sum of $147,200.00 as indemnity cost for the loss of the transformer. 
\par }\pard \ltrpar\s18\qj \li1080\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10905436\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10905436\charrsid3815710 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10905436\charrsid3815710 
The Court of Appeal erred in law and in fact in allowing the Claim for the transformer when there was no compliance by the Respondent with the provisions of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
section 4(4) and section 6 of the Civil Evidence Act 2002 in accepting a FEA (EFL) letter dated 20 February}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid3815710 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
 2003 to find an insurable in the transformer. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10905436\charrsid3815710 
\par }\pard \ltrpar\s18\ql \li720\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 3.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 The Court of Appeal erred in law in effectively reversing the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3815710\charrsid3815710 onus}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
 of proof for proving an insurable interest in the transformer when it held that the Respondents had an insurable interest despite}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12020240\charrsid3815710 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10554357\charrsid3815710 
\par }\pard \ltrpar\s18\ql \li1080\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ltrpar\s18\qj \fi-540\li1620\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1620\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 the transformer not being listed in the First Respondent\rquote 
s financial statements as an asset. 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 (ii)\tab}the transformer not being listed as an asset in the valuations of the first respondent\rquote s asset before the fire. 

\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 (iii)\tab}the first respondent\rquote s expert not giving any evidence of the ownership of the transformer. 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 (iv)\tab}no evidence being led by the first respondent\rquote s accountant on the ownership of the transformer. 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 (v)\tab}}\pard \ltrpar\s18\qj \fi-720\li1800\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 the transformer having FEA (EFL) insignia on it. 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 (vi)\tab}}\pard \ltrpar\s18\qj \fi-540\li1620\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls6\adjustright\rin0\lin1620\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 the respond
ent not establishing the indemnity value of the transformer at the trial of the action. 
\par }\pard \ltrpar\s18\qj \li1260\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1260\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10554357\charrsid3815710 \hich\af0\dbch\af0\loch\f0 4.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
The Petitioner will contend that the First Respondent had the onus of proving an insurable interest in the transformer at the trial.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10554357\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266 
\par }\pard \ltrpar\s18\qj \li1080\ri0\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12731638\charrsid12731638 
\par }\pard\plain \ltrpar\qj \li360\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin360\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5859893 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7236266\charrsid1911995 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10554357\charrsid1911995 Second Issue \endash 
 Value Added Tax (VAT) Claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10486908\charrsid1911995 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6168431\charrsid3815710 \hich\af0\dbch\af0\loch\f0 5.\tab}}\pard\plain \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6168431\charrsid3815710 The Court of Appeal erred in law in allowing the VAT claim of $375,000 and 10% interest from 1 December}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid3815710 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6168431\charrsid3815710  2004 when there was no compliance by the Respondent with the provisions of section 4(4) and section 6 of the Civil Evidence Act 2002 in respect of the Fiji Revenue Customs Service letter of 16 July}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid3815710 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6168431\charrsid3815710  2003 and PWC letter of 25 October}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid3815710 ,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6168431\charrsid3815710  2005. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10554357\charrsid3815710 
\par }\pard \ltrpar\s18\qj \li1080\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6168431\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6168431\charrsid3815710 \hich\af0\dbch\af0\loch\f0 6.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6168431\charrsid3815710 
The Court of Appeal erred in law in effectively reversing the onus of proof for the proving that VAT was payable. The Petitioner will contend that the First Respondent had the onus of proving that VAT was payable at the trial. 
\par }\pard \ltrpar\s18\ql \li720\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6168431\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid6168431\charrsid3815710 \hich\af0\dbch\af0\loch\f0 7.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6168431\charrsid3815710 
The Court of Appeal erred in law in awarding interest on the VAT Claim from 1/12/2004 when there was no evidence that the First Respondent was kept out of its money. The First Respondent did not establish that the VAT amount of $375,000 was paid in FRCS.}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6168431\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10160926\charrsid9779068 
\par }\pard\plain \ltrpar\qj \li360\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin360\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid5859893 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7236266\charrsid1911995 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12020240\charrsid1911995 Third Issue \endash 
 Interest from 1 December}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid15538116 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid12020240\charrsid1911995  2004}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid10486908\charrsid1911995 

\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid12020240\charrsid3815710 \hich\af0\dbch\af0\loch\f0 8.\tab}}\pard\plain \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12020240\charrsid3815710 The Court of Appeal erred in awarding interest from 1 December}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid13774615 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12020240\charrsid3815710 
 2004 when the claim from the transformer, VAT Claim and the sum of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 $694,699.00 was still in dispute as at 1 December}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf19\insrsid13774615 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710  2004. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12020240\charrsid3815710 
\par }\pard \ltrpar\s18\qj \li1080\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid88712\charrsid3815710 \hich\af0\dbch\af0\loch\f0 9.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 
That the Petitioner respectfully submits by reason of the foregoing that it has suffered substantial and grave injustice and the issues raised present far-reaching questions of law to be determined. The decision of this Court will have }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13774615\charrsid10119700 an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid13774615  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 
impact on the public and its general public importance. 
\par }\pard \ltrpar\s18\ql \li1080\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid88712\charrsid3815710 \hich\af0\dbch\af0\loch\f0 10.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 
That the subject of this case also raises issues of substantial general interest to the administration of civil justice in Fiji. 
\par }\pard \ltrpar\s18\ql \li1080\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid88712\charrsid3815710 \hich\af0\dbch\af0\loch\f0 11.\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls3\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 The Petitioner therefore}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf19\insrsid13774615 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid88712\charrsid3815710 
 humbly prays that the Supreme Court of Fiji may graciously be pleased to grant special leave to appeal from and to vacate and set aside the judgment of the Court of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid3815710 
 Appeal dated 29 November}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid13774615 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2174785\charrsid3815710  2019.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10512503\charrsid3815710 
\par }\pard\plain \ltrpar\qj \li360\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin360\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf22\insrsid4330085\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf22\insrsid5859893 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7236266\charrsid3815710 In the circumstances, t}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7474643\charrsid3815710 he petitioner prayed for;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15428134\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7474643\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s18\qj \fi-360\li1440\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls28\adjustright\rin0\lin1440\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid7474643\charrsid6358945 grant special leave to appeal. and
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid7474643\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (b)\tab}vacate and set aside the judgment of the Court of Appeal dated 29}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\chshdng0\chcfpat0\chcbpat8\insrsid7474643\charrsid6358945 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid7474643\charrsid6358945  of November, 2019.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid2847277\charrsid6358945 \'94
\par }\pard\plain \ltrpar\qj \li0\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid2847277 [16]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid4330085\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid3815710 Now I will consider the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid2847277\charrsid9779068 three }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid7236266\charrsid3815710 aforementioned issues raised by the petitioner.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf21\chshdng0\chcfpat0\chcbpat8\insrsid12214977\charrsid3815710 
\par }\pard \ltrpar\qj \li0\ri0\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid12214977\charrsid6358945 VAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\insrsid9263976\charrsid6358945  C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid16737571\charrsid6358945 laim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid12214977\charrsid6358945 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2847277 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1328969\charrsid3815710 Payment of Value Added Tax }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8355598\charrsid3815710 (hereinafter }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2847277\charrsid9779068 referred to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9779068 as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2847277  \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid3815710 VAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2847277 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid3815710 ) }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1328969\charrsid3815710 is governed by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9720823\charrsid3815710 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15658\charrsid3815710 
Value Added Tax Decree, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15658\charrsid13774615 1991}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid13774615 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid13774615 VAT}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid3815710  is considered}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9779068  as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid3815710  a broad}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid932222 -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid3815710 based tax as}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13774615  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13774615\charrsid10119700 it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid3815710  covers a wide range of goods and services. Persons }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid14689923 
who carry }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8355598\charrsid3815710 on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13774615 a \lquote Taxable Activity\rquote  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9779068 and}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid932222\charrsid9779068 have }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid3815710 
an annual gross turnover }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid932222\charrsid9779068 of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf18\insrsid932222  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid3815710 
above $100,000/- }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325 other }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid14689923 than}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid2063325  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid2063325 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid2063325  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid3815710 exempted persons}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2063325 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid3815710  are liable to pay VAT.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1328969\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2847277 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8355598\charrsid3815710 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid932222\charrsid9779068 applicable }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9779068 percentage of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8355598\charrsid3815710  VAT depends on the nature of the business.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10298287\charrsid3815710 
 Those who are liable to pay VAT should file VAT returns and make the relevant payment within the specified date}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14104360\charrsid3815710  in terms of section 32 of the said Decree}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10298287\charrsid3815710 . Further, the failure to pay VAT on time }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid932222\charrsid9779068 is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13832069\charrsid3815710 subject to the payment of penalties.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10298287\charrsid3815710   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4023757\charrsid10160926 
\par }\pard \ltrpar\qj \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid932222 9}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9720823\charrsid3815710 Section 3(8) of the VAT Decree, 1991 states;
\par }\pard \ltrpar\qj \li1260\ri746\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1260\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9720823\charrsid6358945 \'93}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14378463\charrsid6358945 Subject to this section, except for subsection (8A), if a registered person receives a payment under a contract of insurance, whether or not the person is a party to 
the contract of insurance, the payment is, to the extent that it relates to a loss incurred in the course or furtherance of the registered person\rquote 
s taxable activity, deemed to be consideration received for a supply of services performed by the registered person \endash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid932222\charrsid6358945 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14378463\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s18\qj \fi-360\li1800\ri746\sb240\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin746\lin1800\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14378463\charrsid6358945 on the day the registered person receives the payment; and 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14378463\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s18\qj \fi-360\li1800\ri746\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls33\adjustright\rin746\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14378463\charrsid6358945 in the course of furtherance of the registered person\rquote 
s taxable activity, provided that this subsection shall not apply in respect of any payment received as compensation \endash 
\par }\pard \ltrpar\s18\qj \li1800\ri746\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1800\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7750439\charrsid6358945 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14378463\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard \ltrpar\s18\qj \fi-720\li2520\ri746\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin746\lin2520\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14378463\charrsid6358945 
under the Accident Compensation Act 2017 pursuant to a contract of insurance where the supply of that contract of insurance was \endash 
\par }\pard \ltrpar\s18\qj \li2520\ri746\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin2520\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7750439\charrsid6358945 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14378463\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (A)\tab}}\pard \ltrpar\s18\qj \fi-360\li2880\ri746\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls35\adjustright\rin746\lin2880\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14378463\charrsid6358945 exempted;
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14378463\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (B)\tab}zero rated; or 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14378463\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (C)\tab}in respect of an entitlement for loss of earnings within the meaning of the Workmen\rquote s C
ompensation Act 1964 or accidental persona injury or damages;\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2908905\charrsid6358945 
\par }\pard \ltrpar\s18\qj \li2880\ri746\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin2880\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7750439\charrsid6358945 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2908905\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard \ltrpar\s18\qj \fi-720\li2520\ri746\sa160\widctlpar
\tx1260\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin746\lin2520\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2908905\charrsid6358945 pursuant to a contract of parametric insurance.\'94}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14378463\charrsid6358945 \tab \tab \tab 
\par }\pard\plain \ltrpar\qj \li0\ri746\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin0\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid4014804\charrsid932222 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid932222 20}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9779068 It is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14104360\charrsid3815710 
 common ground that the respondents were liable to pay VAT as they were engaged in manufacturing goods and selling the same}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6250547 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid6114877\charrsid3815710  Hence, the respondents have registered under the VAT Decree to pay VAT. Thus,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7759715  the respondents are considered}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14104360\charrsid3815710  registered persons under the VAT Decree.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6114877\charrsid3815710 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10431830 21}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6114877\charrsid3815710 It is also common ground that the factory, the machinery}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6114877\charrsid7759715 and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6114877\charrsid3815710  the production etc. got damaged as a result of a fire}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6250547  and there was a business }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3885226 interruption}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6114877\charrsid3815710 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14104360\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2585290\charrsid3815710 Therefore, the respondents have lodged a claim with the petitioner to indemnify the}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3885226  losses suffered from the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2585290\charrsid1457833 material dam}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1457833\charrsid1457833 age}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3885226  and business interruption}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2585290\charrsid1457833 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14104360\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10431830 22}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2585290\charrsid3815710 The petitioner admitted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3885226 part of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2585290\charrsid3815710 
the liability under the insurance policy issued to the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2585290\charrsid3815710  and made some payments under both headings.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1795948\charrsid3815710  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3885226 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid92617 
However, the petitioner declined}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8678817\charrsid3815710  to pay VAT to the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8678817\charrsid3815710  on the basis that the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8678817\charrsid3815710  failed to produce proof of payment of the 
VAT }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710 to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9181550\charrsid1457833 Fiji Revenue and Customs Authority.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8678817\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid92617 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid27995\charrsid3815710 VAT is a statutory liability of persons who are subject to the VAT Decree. In such circumstances, there is a strict liability on the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5326494 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710  to pay VAT under and in terms of section 3(8) of the said Decree. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid92617 
\par [25]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710 Further, as stated above}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11559844 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710  the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13774615\charrsid2063325 petitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid2063325  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710 
is liable to pay VAT on the money they received as indemnity payments before the specified date. The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid3815710 failure}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid27995\charrsid3815710  to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid3815710 make such payments on time would }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710 
result in penalties followed by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid3815710 prosecutions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2048260  to recover VAT that are due}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid27995\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid7759715 to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid1457833  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1457833 
the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1457833\charrsid3815710 Revenue and Customs }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1457833\charrsid1457833 Authority}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1457833 .}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15290560 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2887506\charrsid3815710 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid7759715 honoring}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15290560\charrsid7759715  of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2887506\charrsid7759715  claims made under insurance policies are}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15290560\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid7759715 
based on indemnifying the losses. In order to indemnify the loss}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13774615\charrsid7759715 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid7759715  generally}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid15290560\charrsid7759715 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid7759715  insurance companies would request the claimant to show the loss. In such circumstances, it is}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid7759715 up to the claimant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9784394 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2063325\charrsid7759715  to provide proof of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid7759715  the loss. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid7409488\charrsid13774615 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15290560 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2887506\charrsid3815710 However, if a claimant is unable to prove }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid3815710 the value of an item destroyed by an }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7750439\charrsid3815710 event}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7750439  that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid2063325  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2887506\charrsid3815710 would not absolve the insurance company from indemnifying the loss. In such instances}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15290560 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2887506\charrsid3815710  the insurance company should }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid3815710 assess the l}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9784394 
oss and indemnify the claimant. Generally it is carried out by obtaining a valuation report from a loss adjuster.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2887506\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15290560 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5859893 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7409488\charrsid3815710 It is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid7759715 important to bear}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7409488\charrsid7759715 in mind that the insurance companies would not replace the items destroyed by an unexpected incident. They would only }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8411636 make a monitory payment}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid7759715  to indemnify the loss. However, it is not compulsory for the claimant to replace the lost item}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7759715\charrsid7759715 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8411636  in order to receive the money}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7759715\charrsid7759715 . It is purely a matter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7409488\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715 of choice for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid3815710 the claimant.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 [2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid15290560 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2887506\charrsid3815710 Further, VAT is a compulsory tax. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid3815710 
Therefore, the claimant is liable to pay VAT under the VAT Decree. In such circumstances, insurance companies are liable to pay VAT along with payments made to claimants}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11418035\charrsid3815710 
 to indemnify the lo}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid3815710 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11418035\charrsid3815710 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7409488\charrsid3815710 
es}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11418035\charrsid3815710  that are subject to VAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4538848\charrsid3815710 . Hence, producing proof }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid15538116\charrsid3042921 of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\insrsid15538116  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4538848\charrsid3815710 payment of VAT }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid12994699 by a claimant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4538848\charrsid3815710 will not arise.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817 30}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4538848\charrsid3815710 Therefore, I am of the opinion that the Court of Appeal did not err in allowing the claim for VAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid12994699  forwarded by the respondent}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid4538848\charrsid3815710 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11418035\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid27995\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817 31}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4808307\charrsid3815710 Further, the requirement to pay VAT for indemnity}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9181550\charrsid3815710  payments under section 3(8) were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4808307\charrsid3815710  stated in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf18\insrsid7606817  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid4808307\charrsid3815710 Revenue and Customs }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808307\charrsid1457833 Authority}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808307\charrsid3815710  letter }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6163841\charrsid7759715 of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6163841\charrsid3815710 16}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\super\insrsid6163841\charrsid3815710 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6163841\charrsid3815710  of July, 2003 and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid855064 also }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid6163841\charrsid3815710 in the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808307\charrsid3815710  opinion given by Price Waterhouse }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715 Cooper
\rquote s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808307\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6163841\charrsid3815710 letter dated 25}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\insrsid6163841\charrsid3815710 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6163841\charrsid3815710  of October, 2005.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4808307\charrsid3815710   }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid1120382\charrsid3815710 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin720\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 [}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7606817 32}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid3815710 The petitioner objected to the said letters }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid9181550\charrsid3815710 being considered }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9181550\charrsid7759715 by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715 the }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid9181550\charrsid7759715 court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid7759715 on the basis that those documents were produced contrary to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9181550\charrsid7759715 section 4(4) and section }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9181550\charrsid1457833 6 of the Civil Evidence Act 2000. }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid9181550\charrsid1457833 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7606817 33}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2818420 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid3815710 Even }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid7759715 
if those documents are disregarded by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid7759715 court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid7606817\charrsid7759715 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2063325\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid7759715 that would not prevent }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9181550\charrsid7759715 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid7759715 court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8530020\charrsid7759715 from }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid732024\charrsid7759715 considering the liability to pay VAT on indemnity payments}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8530020\charrsid7759715 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid7759715 
 as co}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4750027\charrsid7759715 nsideration of such payments are}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7606817\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid732024\charrsid7759715 purely a question of law and an interpretation of section 3(8) of the VAT Decree.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid732024\charrsid3815710 
\par }\pard \ltrpar\ql \li0\ri0\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin0\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13723863\charrsid6358945 I}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid16737571\charrsid6358945 nterest }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid9263976\charrsid6358945  \endash  W}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid16737571\charrsid6358945 hat is the Effective }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid9263976\charrsid6358945 D}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid16737571\charrsid6358945 ate of Computation}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13138658\charrsid6358945 
\par }\pard \ltrpar\ql \fi-720\li720\ri0\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin720\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid2818420 [3}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid7606817 4}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid2818420 ]\tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13138658\charrsid3815710 In terms of section}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \b\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13138658\charrsid3815710  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13138658\charrsid3815710 
34(1) of the Insurance Law Reform Act 1996, insurers are liable to pay interest to claimants for delayed payments. The said section states; }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid9072465\charrsid3815710 
\par }\pard \ltrpar\qj \li1440\ri746\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin746\lin1440\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 \'93Where an insurer is liable to pay to a person an amount under a contract of insurance or under this Act in relation to a contr}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13138658\charrsid6358945 act of insurance}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid13138658\charrsid6358945 , the insurer is }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 also liable to pay interest on the amount to that person in accordance with this section}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 .\'94
\par }\pard \ltrpar\qj \fi-720\li720\ri746\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin746\lin720\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid1117777\charrsid16737571 [35]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid1117777 \tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid660724\charrsid1117777 The computation of the period for the payment of interest is stipulated in section 34(2) of the said Act. i.e.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid3815710 
\par }\pard \ltrpar\qj \li1440\ri746\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin746\lin1440\itap0\pararsid14616283 \cbpat23 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 \'93The period in respect of which interest is payable }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 is the period commencing on the day as from which it was unreasonable for insurer to have withheld payment of the amount}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945  and ending on whichever is earlier of the following days }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid7152060\charrsid6358945 -}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid7759715\charrsid6358945  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar\s18\ql \fi360\li1080\ri746\sb300\sa150\widctlpar
\tx1890\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel2\adjustright\rin746\lin1080\itap0\pararsid14616283\contextualspace \cbpat23 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 The day on which payment is made
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\s18\qj \fi-450\li1890\ri746\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\outlinelevel2\adjustright\rin746\lin1890\itap0\pararsid14616283\contextualspace \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid6358945 The day on which the payment is sent by post to the person to whom it is payable.\'94
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin720\itap0\pararsid14616283 \cbpat8 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid6689924 [3}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid3352581 6}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid6689924 ]\tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 A careful consideration of the aforementioned sections show that the computation of payments is purely dependent on the facts and circumstances of each case. 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid3352581 [3}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid16737571 7}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid3352581 ]\tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 Further, the provisions applicable}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid3815710  to the progress payments in the insurance policy says;
\par }\pard \ltrpar\qj \li1440\ri746\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin746\lin1440\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid341764\charrsid14174046 \'93In the event of loss or damage giving rise to a claim under this policy, the Company will make progress claim payments }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\lang2057\langfe2057\langnp2057\langfenp2057\insrsid341764\charrsid14174046 on production of acceptable evidence of insured\rquote s loss}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid341764\charrsid14174046 .
\par }\pard \ltrpar\ql \li1440\ri746\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin746\lin1440\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid341764\charrsid14174046 Provided that, if the aggregate of p}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5318695\charrsid14174046 r}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid341764\charrsid14174046 ogress payment}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5318695\charrsid14174046  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid341764\charrsid14174046 exceeds the total amount of 
the adjusted loss, the insured will immediately refund the difference between the amount of adjusted loss and the aggregate of p}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5318695\charrsid14174046 a}
{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid341764\charrsid14174046 yments actually made.\'94}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12528253\charrsid14174046 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin720\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid6689924 [3}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid16737571 8}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid6689924 ]\tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 In view of the phrase \'93}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 unreasonable for insurer to have withheld payment of the amount\'94}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12205296 ,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid12205296  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid10645059 in}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid12205296\charrsid12205296  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 section }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid7759715 34(2) of the said Act}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10645059\charrsid7759715 ,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid7759715  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10645059\charrsid7759715 it is required }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid7759715 
to consider whether there was }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid10645059\charrsid7759715 an }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid7759715 unreasonable delay in making }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 
payments to the respondent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5326494 s}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 . }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid1007280\charrsid3815710 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6689924 [3}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16737571 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6689924 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 In the case of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid10645059 Bankstown Football Club v CIC Insurance Ltd (1997) 187 CLR 384}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 , where the Supreme Court of New South Wales held that the date on which the interest starts to accrue }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf18\chshdng0\chcfpat0\chcbpat8\insrsid10645059 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 must be determined objectively}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10645059 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 . This was a case where section 57 of the ICA, which was identical to }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10645059 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 ection 34 of the Insurance Law Reform Act of 1996, came up for consideration.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb300\sa150\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin720\itap0\pararsid14616283 \cbpat8 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid6689924 [}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid16737571 40}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid6689924 ]\tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710 Hence, I will set out the }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid1513612\charrsid7759715 important }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid7759715 dates}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5981404\charrsid3815710  to consider whether there was an unreasonable delay in making payments.
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ltrpar\s18\qj \fi-360\li1080\ri0\sa200\widctlpar
\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 19.02.2003}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020      }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 date of the fire}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 29.04.2003}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020       }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 
Appellants' claims preparer claimed a nonspecific progress payment }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4458275\charrsid4458275 
\par }\pard \ltrpar\s18\qj \fi-1440\li2520\ri0\sa200\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9928161 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16733497\charrsid3815710    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 $3,500,000 plus VAT }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sa200\widctlpar
\tx540\tx2520\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 13.06.2003}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10645059 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Respondent admitted liability and invoked malicious liability }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9928161\charrsid9928161 
\par }\pard \ltrpar\s18\qj \li1080\ri0\sa200\widctlpar\tx540\tx2520\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9928161 \tab }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 limitation of $3 million}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sa200\widctlpar
\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 19.06.2003}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020       }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10645059\charrsid3815710 Respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710  paid $1 million as progress payment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 04.07.2003}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020       }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Respondent paid $500,000 as progress payment}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 28.08.2003}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020       }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Respondent paid $500,000 as progress payment}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 11.04.2004}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020       }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Respondent paid $1 million as progress payment}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 18.05.2003}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020      }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid7692838  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Mr. Yee (on behalf of Appellant) informed Respondent by letter that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7692838\charrsid7692838 
\par }\pard \ltrpar\s18\qj \fi-1440\li2520\ri0\sa200\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid7692838 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Respondent will be liable to pay interest in view of delay in payments}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sa200\widctlpar
\tx540\tx2520\tx8550\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 28.05.2003}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710      }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid7692838 A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 ppellants made claim of $1 million under Business Interruption (BI) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7692838\charrsid7692838 
\par }\pard \ltrpar\s18\qj \li2520\ri0\sa200\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2520\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard \ltrpar\s18\qj \fi-360\li1080\ri0\sa200\widctlpar
\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 25.11.2003}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 
Respondent paid $250,000 under Business Interruption (BI) claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 20.05.2004}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 
Respondent paid $500,000 under Business Interruption (BI) claim }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 08.06.2004}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9127491\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Respondent paid $250,000 under Business Interruption (BI) claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 29.08.2005}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9127491\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Writ of Summons issued}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 28.12.2005 }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8530020      }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Respondent paid $981,359 under Business Interruption (BI) claim (after Summary Judgment was obtained in October 2005)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 06.05.2011}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 liability judgment delivered by High Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 16.10.2013}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 assessment of damages hearing begins before Master}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 12.04.2013}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9127491\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 assessment of damages hearing before Master concluded }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13138658\charrsid3815710 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \f3\insrsid13138658\charrsid3815710 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 24.03.2016}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16733497\charrsid3815710         }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9127491\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 Decision of Master on assessment of damages}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2049807\charrsid8589531 
\par }\pard \ltrpar\s18\qj \li1080\ri0\sa200\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8589531\charrsid10160926 
\par }\pard\plain \ltrpar\qj \fi-540\li540\ri0\sa160\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin540\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3352581 [4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8589531 1}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6689924 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 The petitioner had admitted liability on the 19}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\super\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710  of August}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf19\chshdng0\chcfpat0\chcbpat8\insrsid8530020 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710  2004 which is eighteen months after the factory was damaged by the fire. 
\par }\pard \ltrpar\qj \fi-540\li540\ri0\sb240\sa160\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin540\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6689924 [}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3352581 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8589531 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6689924 ]
\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9181550\charrsid3815710 After }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 
months of discussions with the loss adjuster appointed by the petitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710  the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710  has furnished }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 financial information as required by the }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 loss adjuster }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9181550\charrsid3815710 on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1513612\charrsid7759715 the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf18\chshdng0\chcfpat0\chcbpat8\insrsid1513612  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9181550\charrsid3815710 14}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\chshdng0\chcfpat0\chcbpat8\insrsid9181550\charrsid3815710 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9181550\charrsid3815710  of October, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 2004. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 Further, t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710 he Profit and Loss accounts of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 respondents}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710  had been handed over on that date. The loss adjuster had in turn acknowledged receipt of the financial information and had promised to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\insrsid1007280\charrsid1513612 finali}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\insrsid1513612\charrsid1513612 s}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\insrsid1007280\charrsid1513612 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1007280\charrsid3815710  the claim.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6689924 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3352581 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid8589531 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6689924 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 T}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 hereafter, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 
the petitioner had discontinued the services of the loss adjuster on the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid2128619  of December, 2004 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4014337\charrsid3815710 and tried to sett}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid4750027 le the matter by mutual consent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid355649 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid5467931 
\par }\pard \ltrpar\qj \li0\ri0\sa160\widctlpar\tx540\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid355649 \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 The Master }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1513612\charrsid7759715 of the High Court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 stated in his order:
\par }\pard \ltrpar\qj \li1350\ri720\sa160\widctlpar\tx1440\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1350\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid10958030 "It should be noted that long before the date the parties have tried to settle the claims and had also agreed certain claims, }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid10958030 but no payments regarding the said claims were settled by the Defendant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid10958030 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid10958030 So the Defendant had unreasonably held claims due to the 
Plaintiff for a considerable time period.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid10958030  It was not my duty to evaluate the insurance. claim payment process, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid10958030 but the time taken was too long and the Defendant had stopped the professionals}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid10958030 
.... process of engaging "(para 261 of his Decision)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1513612 
                                                      }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1513612\charrsid1513612 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid1513612 emphasis added}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1513612\charrsid1513612 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid9522616\charrsid3815710 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx450\tx540\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid355649 [}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1462063 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13442511 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid355649 ]
\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16203650 \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 n the case of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid16203650 Sayseng v Kellog Superannuation Pty Ltd}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid16203650  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid16203650 [2007] NSWSC 857}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 , where }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \strike\f0\fs24\cf18\chshdng0\chcfpat0\chcbpat8\insrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16608171  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16608171\charrsid7759715 it was held;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf18\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid16608171 
\par }\pard \ltrpar\qj \li1440\ri720\sa160\widctlpar\tx1350\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1440\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 
"In my opinion it should now be accepted that the correct approach to be taken by the court on this question is that taken by Cole J in Bankstown Football Club. In my assessment, the cases to which I have referred establish that the question of reasonable
ness is to be judged by reference to the true position in respect of the claim with allowance to be made for the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 
insurer to have a reasonable period of time within which to investigate the claim and to consider its position}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 . The discretionary determination 
is to be made having regard to the particular circumstances of the case, including the probable issues which require investigation}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 ...}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 ...}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 ...}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030  \'85 \'85 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 It is not relevant that the insurer acted bona fide in denying the claim, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 
or when the judgment of the court established the insurer's liability to pay it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid10958030 
. In short, the award will be calculated on the basis of what the court finds is a reasonable time for completion of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 
 the insurer's investigation of the claim}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10958030  \'85 \'85 \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3352581        }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10966388    }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3352581  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3352581\charrsid1513612 [emphasis added]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10160926 
\par }\pard \ltrpar\qj \fi-720\li720\ri26\sb240\sa160\widctlpar\tx540\tx8100\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin26\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid1462063 [4}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13442511 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid15679120\charrsid7759715 ]\tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16608171\charrsid7759715 Further, in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid7759715 Sutton on Insurance Law, 4th Ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16203650\charrsid7759715 ition}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid16203650 (2015), Vol 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid3815710  at page 180 states;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid10160926 
\par }\pard \ltrpar\qj \li1440\ri720\sa160\widctlpar\tx630\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin1440\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid10958030 "....
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid10958030 an insurer is not entitled to wait until a judgment of the court holding her or him liable has been given}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid10958030 
. Bona fides on the part of the insurer is not the test.......... In other words, an insurer disputes liability at her or his peril and once he or she has been adjudged liable to indemnify the insured, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid10958030 the insurer's obligation to pay interest will run from the elapse of a reasonable time after a formal claim has been made}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid10958030 ".}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid2049807\charrsid10958030 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10966388                                                                                      }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10966388\charrsid1513612 [emphasis added]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid10966388\charrsid16203650 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx720\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3546216 [}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16608171 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13442511 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3546216 ]
\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 However,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid5139038  contrary to his own findings}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710  the Master }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid16608171\charrsid7759715 of the High Court }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 has ordered the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710  interest }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 to be paid }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710 from the date of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 his order where the liability of the petitioner was determined by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid939362\charrsid3815710 the }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9522616\charrsid3815710 court.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid939362\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid939362\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid2049807\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3815710  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid6441358\charrsid3815710 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3546216 [4}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13442511 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 Having considered the above}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid2128619 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  I am of the opinion that there was an inordinate delay on the part of the petitioner to accept liability and indemnify the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  for }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid5326494 their 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 losses. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11993121 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx810\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11993121 [4}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13442511 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11993121 ]\tab Further, a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 t a time }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10686687\charrsid7759715 when }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid663011 responde}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9242393\charrsid663011 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid663011 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  furnished all the materials requested by th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid7759715 e loss adjuster and when it was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  time that the loss adjuster had to adjust the loss}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\chshdng0\chcfpat0\chcbpat8\insrsid9242393 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  the petitioner ha}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid7759715 d terminated his services. i.e.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf18\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid10686687  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 on the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\super\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  of December, 2004. Having terminated the services of the loss adjuster}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf19\chshdng0\chcfpat0\chcbpat8\insrsid9242393 ,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  the petitioner had tried to settle the claim by mutual consent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10686687 ,}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710  which }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10686687\charrsid7759715 had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid7759715 not }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9242393\charrsid7759715 materialized}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid7759715 . In those circumstances, the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid5326494\charrsid7759715 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid7759715  had to seek redress from }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid10686687\charrsid7759715 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid7759715 court }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid12592420\charrsid3815710 obtain the damages caused to him by the fire.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3080833\charrsid3815710 
\par }\pard \ltrpar\qj \fi-630\li720\ri0\sb240\sa160\widctlpar\tx8550\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3546216 [4}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid11534939 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid12592420\charrsid3815710 Thus, I am of the opinion that the Court of Appeal did not err in ordering the petitioner to pay the interest with effect from the 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\super\chshdng0\chcfpat0\chcbpat8\insrsid12592420\charrsid3815710 st}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid12592420\charrsid3815710  of D}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid328928 ecember, 2004 which is the date on which the petitioner terminated the services of the loss }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9263963 adjuster}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid328928 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf6\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5467931\charrsid3815710 \tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\cf6\lang2057\langfe2057\langnp2057\langfenp2057\insrsid5723297 \tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf6\lang2057\langfe2057\langnp2057\langfenp2057\insrsid3042921  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid13138658\charrsid3042921 
\par }\pard \ltrpar\qj \li0\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid9263976\charrsid3309188 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\ul\insrsid11534939\charrsid3309188 ransformer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid11820936\charrsid3309188 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11534939 50}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11820936\charrsid5661278 Mr. Fair}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4879042 ,}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11820936\charrsid5661278  who gave evidence at the trial}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4879042 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11820936\charrsid5661278 
 stated that a sub-station was built in the factory to obtain electricity}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11820936\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4879042\charrsid7759715 for }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11820936\charrsid5661278 the factory. He further stated that at the time the factory was built the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11820936\charrsid5661278  purchased the transformer from the Fiji Electricity Authority and installed it }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid5661278 in the sub-station. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid11820936\charrsid5661278 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158 [5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16218272\charrsid5661278 In his evidence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4879042 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid5661278  Mr. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16218272\charrsid7759715 Fair stated that he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4879042\charrsid7759715 had }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid7759715 furnished a letter }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11886578 from}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4879042\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid7759715 the Fiji Electricity Authority }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid4879042\charrsid7759715 stating }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid7759715 that the transformer was owned by the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5326494\charrsid7759715 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid7759715 . He also stated that the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5326494\charrsid7759715 s}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid7759715  had been using the transformer until it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2128619\charrsid7759715  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid16218272\charrsid7759715 got damaged by the fire.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16218272\charrsid5661278 
\par }\pard \ltrpar\qj \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158 5}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13587814\charrsid5661278 The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11039467\charrsid5661278  interpretation section of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13587814\charrsid5661278  insurance policy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039467\charrsid5661278  defined 
\lquote Insured Property\rquote  as \endash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid13587814\charrsid5661278 
\par }\pard \ltrpar\qj \li1440\ri746\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1440\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039467\charrsid3309188 \'93}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\ul\insrsid11039467\charrsid3309188 Tangible property of every description not expressly excluded}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039467\charrsid3309188 , the Insured\rquote s own or held by the Insur
ed jointly or in trust or on commission }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11039467\charrsid3309188 or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039467\charrsid3309188  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\insrsid11039467\charrsid3309188 for which the insured is responsible}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039467\charrsid3309188  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid11039467\charrsid3309188 or}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039467\charrsid3309188  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\insrsid11039467\charrsid3309188 has assumed responsibility}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11039467\charrsid3309188 
 all while located at any situation or other place anywhere in Fiji or as otherwise.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9661952\charrsid3309188 \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid9661952 \tab \tab 
\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\chshdng0\chcfpat0\chcbpat8\insrsid9661952\charrsid1513612 [emphasis added]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid11039467\charrsid5661278 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5139158 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid423514\charrsid5661278 The afor
ementioned interpretation given to \lquote insured property\rquote  shows that it has given a very }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid423514\charrsid7759715 wide}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf18\insrsid4879042  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid423514\charrsid5661278 interpretation to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6187056\charrsid5661278  insured property. Further,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid1915211\charrsid5661278  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6187056\charrsid5661278 it goes beyond the properties owned by the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid1915211\charrsid5661278 insured}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid6187056\charrsid5661278 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3042921 
\par }\pard \ltrpar\qj \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158 5}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid5661278 In }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid10038608\charrsid5661278 Lucena v Craufurd [1806] Eng R12; (1806) 127 ER 630}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid5661278  Lawrence J stated;
\par }\pard \ltrpar\qj \li1440\ri746\sb240\sa160\widctlpar\tx1440\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1440\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid3309188 \'93}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid7032612 A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid3309188 man is interested in a thing to whom advantage may arise or prejudice happen from the circumstances which may attend it \'85}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3309188  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid3309188 \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3309188  .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10038608\charrsid3309188 .. interest does not necessarily imply a right to the whole part of a thing, nor }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3042921\charrsid3309188 necessarily}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10038608\charrsid3309188  and exclusively 
that which may be the subject of privation but having some relation to. Or concern by the happening of perils insured against may be so affected as to produce a damage, detriment, or prejudice to the person insuring \'85}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3309188  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid3309188 \'85}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3309188  .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10038608\charrsid3309188 .. he may be said to be interested in safety of the thing.\'94
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid5139158 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7032964\charrsid4879042 
MacGillivray & Parkington on Insurance Law (7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\super\insrsid7032964\charrsid4879042 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid7032964\charrsid4879042  edition}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid4879042\charrsid5466110 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7032964\charrsid5661278  at page 643 cited the case of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid7032964\charrsid4879042 
Lucena v Craufurd [1806] Eng R12}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid10038608\charrsid4879042 ; (1806) 127 ER 630}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid5466110 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10038608\charrsid5661278  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278 and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid5661278 
stated that apart from any question of contract, the mere fact of possession, if lawful, was sufficient to give }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5466110\charrsid7759715 an }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid10038608\charrsid7759715 insurable }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10038608\charrsid5661278 interest. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7032964\charrsid5661278 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278 Having considered the facts and circumstance}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9115650 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3304453\charrsid5661278  of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158 instant }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278 case and the relevant law}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid2128619 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278  I am of the opinion that the transformer falls within the interpretation given to \lquote Insured Property\rquote  in the insurance policy.

\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 7}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3304453\charrsid5661278 Further, to prove a fact in court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9115650 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278 
 it is not compulsory to produce documentary evidence.  fact can be proved by oral evidence given by a witness in court. Moreover, it is unreasonable to expect anyone to keep }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid3042921 
receipt}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2128619\charrsid3042921 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid3042921  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278 of goods}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid3042921  purchase}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2128619\charrsid3042921 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid3042921  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7759715 by}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158 him}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7759715 
 several decades ago.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 8}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3304453\charrsid5661278 Accordingly, I hold that the Court of Appeal did not err in holding that the petitioner is liable to indemnify the loss arising from the d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158 
amage caused to the transformer}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3304453\charrsid5661278  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9115650\charrsid5139158 by }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3304453\charrsid5661278 the fire.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 9}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5139158  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11564557\charrsid5661278 Now I will consider the applicability of section 7 of the Supreme Court Act 1998 to the instant application. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11882776\charrsid5661278 
\par }\pard \ltrpar\qj \li0\ri26\sb240\sa160\widctlpar\tx8370\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin26\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid3877292\charrsid3147430 
Consideration of Granting of Special Leave to Appeal}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\fs24\ul\cf19\insrsid3877292\charrsid3147430 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid11534939 60}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid814566 The}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf18\insrsid3877292  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292 j}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3100362 
urisdiction of the Supreme Court with respect to special leave to appeal is set out in section 7 of the Supreme Court Act}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292 , 1998. It states}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid9115650  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9115650\charrsid6620262 as follows}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid6620262 ;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3877292\charrsid4145159 
\par }\pard \ltrpar\qj \fi-450\li1890\ri746\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1890\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712\charrsid3147430 \'93}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3147430 7(1) In exercising its jurisdiction under section [98 of the Constitution of the Republic of Fiji] with respect to \'85
 leave to appeal in any civil or criminal matter, the Supreme Court may, having regard to the circumstances of the case \endash 
\par }\pard \ltrpar\qj \li1890\ri386\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin386\lin1890\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3147430 (a) refuse to grant leave to appeal;

\par }\pard \ltrpar\qj \fi-360\li2250\ri746\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin2250\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3147430 
(b) grant leave and dismiss the appeal or instead of dismissing the appeal make such orders as the circumstances of the case require; or
\par }\pard \ltrpar\qj \fi-270\li2160\ri746\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin2160\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3147430 
(c) grant leave and allow the appeal and make such other orders as the circumstances of the case require. 
\par }\pard \ltrpar\qj \li0\ri1280\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1280\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3147430 
\par }\pard \ltrpar\qj \fi-1620\li1620\ri746\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1620\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3147430 \tab 
7(2) In relation to a criminal matter, the Supreme Court must not grant special leave to appeal unless-
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid3877292\charrsid6636480 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s18\qj \fi-360\li2055\ri386\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls30\adjustright\rin386\lin2055\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid6636480 A question of general legal importance is involved;
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid3877292\charrsid6636480 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar\s18\qj \fi-360\li2055\ri656\sa200\widctlpar
\tx8280\wrapdefault\aspalpha\aspnum\faauto\ls30\adjustright\rin656\lin2055\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid6636480 
A substantial question of principle affecting the administration of criminal justice is involved; or
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \i\insrsid3877292\charrsid6636480 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar
\s18\qj \fi-360\li2055\ri386\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls30\adjustright\rin386\lin2055\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid6636480 
Substantial and grave injustice may otherwise occur.\'94 
\par }\pard \ltrpar\s18\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid6636480 
\par }\pard\plain \ltrpar\qj \fi-180\li1890\ri746\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin1890\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3877292\charrsid6636480 7(3) In relation to a civil matter (including a matter involving a constitutional question) the Supreme Court must not grant special leave to appeal unless the case rises-
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3877292\charrsid6636480 \hich\af0\dbch\af0\loch\f0 a.\tab}}\pard \ltrpar
\qj \fi180\li1440\ri386\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin386\lin1440\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3877292\charrsid6636480 A far reaching question of law;
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3877292\charrsid6636480 \hich\af0\dbch\af0\loch\f0 b.\tab}}\pard\plain \ltrpar
\s18\qj \fi180\li1440\ri386\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin386\lin1440\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3877292\charrsid6636480 A matter of great general or public importance;
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\insrsid3877292\charrsid6636480 \hich\af0\dbch\af0\loch\f0 c.\tab}}\pard\plain \ltrpar
\qj \fi-507\li2127\ri746\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin746\lin2127\itap0\pararsid14616283 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3877292\charrsid6636480 \tab A matter that is otherwise of substantial general interest to the   administration of civil justice.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8004912\charrsid6636480 
\tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid6636480 
\par }\pard \ltrpar\qj \li6480\ri746\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin746\lin6480\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8004912\charrsid6636480 [emphasis added]}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\insrsid3877292\charrsid6636480 
\par }\pard \ltrpar\qj \li1620\ri1280\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin1280\lin1620\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid3877292 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid16263764\charrsid10495897 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712 6}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11534939 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13767761 
The criteria laid down in section 7(3) of the Supreme Court Act, 1998}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf24\insrsid3877292\charrsid3699519  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13767761 to obtain special}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13767761 leave }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13586150 to appeal}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3877292\charrsid13586150  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13767761 show}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3877292\charrsid13767761  that special leave to appeal to the Supreme Court cannot be obtained as a matter of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3877292\charrsid13767761 course, but }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13586150 only}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf24\insrsid3877292  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3877292\charrsid13767761 after }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14419805 satisfying the criteria}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13767761  set out }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid14419805 in the said section.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13586150 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14506712 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16139870 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3100362 
In view of the fact that the legislator has set out a criteria that needs to be satisfied to obtain special leave to appeal, it is necessary to consider whether the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14419805 p}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13586150 etitioner}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3100362 has met the threshold set out in section 7(3}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14419805 ) of the Supreme Court Act.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14506712 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16139870 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13767761 
I have considered the grounds of appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid13767761  the questions of law stated in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3877292\charrsid11495233 petition and the submissions made by the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7088297 both parties}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid11495233 
 and I am of the view that the issues }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid7088297 urged }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid11495233 in the instant application are only matters between the parties. }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14419805 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16139870 4}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3042921 Further, none of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3042921\charrsid3042921 grounds pleaded in the petition}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid14419805\charrsid3042921  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid3042921 fall within the criteria set out in section 7(3) of the Supreme Court Act.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3877292\charrsid11495233 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 [}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712 6}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16139870 5}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3546216 ]\tab 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid5467572 Thus, I hold that the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712 p}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid5467572 
etitioner has not satisfied the threshold contemplated }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid3877292\charrsid11495233 in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid3877292\charrsid11495233  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid3877292\charrsid11495233 section 7(3) of the Supreme Court Act, 1998 to obtain special leave to appeal. Therefore, the application for special leave to appeal is refused.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid10160926 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712\charrsid14506712 
\par }\pard \ltrpar\qj \li0\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14616283 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid16263764 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid14616283 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid16263764\charrsid16263764 Orders of Court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid2178671\charrsid16263764 
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2178671\charrsid4994254 \hich\af0\dbch\af0\loch\f0 (I)\tab}}\pard\plain \ltrpar
\s18\qj \fi-720\li1440\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin1440\itap0\pararsid14616283\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2178671\charrsid4994254 Application for special leave is refused.
\par {\listtext\pard\plain\ltrpar \s18 \rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid2178671\charrsid4994254 \hich\af0\dbch\af0\loch\f0 (II)\tab}I order $ 5,000}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid11542872 .00}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid2178671\charrsid4994254  as costs to be paid to the respondent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid5326494 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid2178671\charrsid4994254  by the petitioner.
\par }\pard\plain \ltrpar\qc \li0\ri0\sb240\sa160\widctlpar\tx1260\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2448750 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8324471 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid16263764 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2448750 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8324471 The Hon. Mr. Justice Anthony Gates
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\insrsid8324471\charrsid5980956 JUDGE OF THE SUPREME COURT
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8324471\charrsid5856161 
\par }\pard \ltrpar\qc \li0\ri0\sb240\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2448750 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid14506712 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2448750 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8324471 The Hon. Mr. Justice Priyasath Dep
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\insrsid8324471\charrsid5980956 JUDGE OF THE SUPREME COURT
\par }\pard \ltrpar\qc \li0\ri0\sb240\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2448750 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8324471 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2448750 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8945120 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8324471 The Hon. Mr. Justice Priyantha Jayawardena
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\insrsid8324471\charrsid5980956 JUDGE OF THE SUPREME COURT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8324471\charrsid3815710 
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