{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff39\deff0\stshfdbch31506\stshfloch31506\stshfhich31506\stshfbi31507\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}{\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{\*\falt Calibri};}
{\f46\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0502040204020203}Segoe UI;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fhimajor\f31502\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0302020204030204}Calibri Light;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri{\*\falt Calibri};}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\f341\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\f342\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\f344\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\f345\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\f346\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\f347\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\f348\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\f349\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\f351\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f352\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\f354\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}
{\f355\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f356\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f357\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\f358\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}
{\f359\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f361\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}{\f362\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}{\f364\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}
{\f365\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f366\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}{\f367\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}{\f368\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}
{\f369\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}{\f731\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}{\f732\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}
{\f734\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\f735\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}{\f736\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew){\*\falt Calibri};}
{\f737\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic){\*\falt Calibri};}{\f738\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}{\f739\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}
{\f801\fbidi \fswiss\fcharset238\fprq2 Segoe UI CE;}{\f802\fbidi \fswiss\fcharset204\fprq2 Segoe UI Cyr;}{\f804\fbidi \fswiss\fcharset161\fprq2 Segoe UI Greek;}{\f805\fbidi \fswiss\fcharset162\fprq2 Segoe UI Tur;}
{\f806\fbidi \fswiss\fcharset177\fprq2 Segoe UI (Hebrew);}{\f807\fbidi \fswiss\fcharset178\fprq2 Segoe UI (Arabic);}{\f808\fbidi \fswiss\fcharset186\fprq2 Segoe UI Baltic;}{\f809\fbidi \fswiss\fcharset163\fprq2 Segoe UI (Vietnamese);}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhimajor\f31528\fbidi \fswiss\fcharset238\fprq2 Calibri Light CE;}{\fhimajor\f31529\fbidi \fswiss\fcharset204\fprq2 Calibri Light Cyr;}{\fhimajor\f31531\fbidi \fswiss\fcharset161\fprq2 Calibri Light Greek;}
{\fhimajor\f31532\fbidi \fswiss\fcharset162\fprq2 Calibri Light Tur;}{\fhimajor\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);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE{\*\falt Calibri};}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr{\*\falt Calibri};}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek{\*\falt Calibri};}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur{\*\falt Calibri};}
{\fhiminor\f31573\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew){\*\falt Calibri};}{\fhiminor\f31574\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic){\*\falt Calibri};}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic{\*\falt Calibri};}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese){\*\falt Calibri};}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;
\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;}{\*\defchp \f31506\fs22 
}{\*\defpap \ql \li0\ri0\sa160\sl259\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 
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\ltrch\fcs0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
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\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134147\'01o;}{\levelnumbers;}\f2\fbias0 
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{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134145\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc23\levelnfcn23
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\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 CIVIL PETITION NO: CBV0012 OF 2021}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\ulc0\insrsid8600167\charrsid13965355 Court of Appeal No. ABU 0091 of 2017
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\par BETWEEN}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 :}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 THE NEW INDIA ASSURANCE CO LTD}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\ulc0\insrsid8600167\charrsid13965355 Petitioner}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\caps\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs16\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \b\f0\fs14\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 AND}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 :}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167 

\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 KALABO INVESTMENT LTD
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\ulc0\insrsid8600167\charrsid13965355 Respondent}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\ulc0\insrsid8600167 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\ulc0\insrsid8600167 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par }\pard\plain \ltrpar\s15\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe2057\cgrid\langnp1033\langfenp2057\ulc1 {\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs6\ulc0\insrsid8600167\charrsid13965355 
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 Coram}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 :\tab     The }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 Honourable }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 Mr. Justice William Calanchini
\par     J}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 udge of the Supreme Court
\par }\pard \ltrpar\ql \li0\ri-1130\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-1130\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 :\tab     The }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 Honourable Mr. Justice Terence Arnold
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355     }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 Judge of the Supreme Court
\par }\pard \ltrpar\ql \li0\ri-23\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-23\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 :\tab     The }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 Honourable Mr. Justice Filimone Jitoko
\par }\pard \ltrpar\ql \li0\ri-1130\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin-1130\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355    
Judge of the Supreme}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\chshdng0\chcfpat0\chcbpat8\ulc0\insrsid8600167\charrsid13965355 Court
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par Counsel}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 :    \tab      Mr. R. R. Gordon for the Petitioner
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355   }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 :    \tab      Mr. C. B. Young for the Respondent\tab \tab 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs12\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 Date of Hearing}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 \tab : \tab 4 August 2023
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 Date of Judgment \tab : \tab 31 August 2023
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\ulc0\insrsid8600167\charrsid13965355 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs40 \ltrch\fcs0 \b\f0\fs40\ulc0\insrsid8600167\charrsid13965355 JUDGMENT
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid11949278 Calanchini, J}{\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167 
\par 
\par }\pard \ltrpar\ql \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11949278 [1]}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167 \tab I have read in draft form the judgment of Arnold J and agree with his reasoning and conclusions.
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid10495628 Arnold}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid8600167 ,}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid10495628  J
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 
\par Introduction
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid3420497 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [2]\tab The Respondent, Kalabo Investment Ltd (Kalabo),
 owned supermarkets in Nadi, Ba, Lautoka, Tavua and elsewhere.  On 30 March 2012, refrigerated goods in three of its supermarkets were damaged as a result of power failure that resulted from a flood (the March flood).  Later that year, on 17 December
, refrigerated goods in three other supermarkets owned by Kalabo were damaged when the power supply failed as a result of Cyclone Evan (the December cyclone). 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [3]\tab Kalabo held a material damage and business interruption 
insurance policy with the Petitioner, The New India Assurance Company Limited (New India).}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 There are two relevant policies \endash 
 one applying to the March floods (the 2011 policy) and one applying to the December cyclone (the 2012 policy).  Because there is no material difference between them, we will refer simply to \'93the policy\'94 in the judgment.}}}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   The effect of the policy was to insure Kalabo against loss or damage caused to refrigerated goods in the supermarkets as a result of power failures caused by floods and cyclones.  The policy specified 
that New India\rquote s liability in relation to damage to refrigerated goods would be limited to $150,000 for \'93any one loss\'94.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 
The amounts quoted in this judgment are in Fijian dollars.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   The policy also contained two clauses which aggregated losses or events for certain purposes, most importantly a clause refer
red to as the \'9372-hour\'94 clause.
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [4]\tab The principal issue before the Court concerns 
how the insurance policy applies to the losses to refrigerated goods at Kalabo\rquote s supermarkets as a result of power failures resulting from, first, the March flood and, second, the December cyclone.  
The parties agree that damage to refrigerated goods is covered under the policy.  The dispute concerns the extent to which the policy limits New India\rquote s liability, specifically through the application of the 72-hour clause. 
\par 
\par [5]\tab The difference between the parties is significant.  In relation to the March floods, the damage to refrigerated goods at Kalabo\rquote s three supermarkets totalled $504,213.84.  This total was made up of losses at the three
 individual supermarkets of $157,525.97, $183,476.95 and $163,210.92 respectively.  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 New India argues that the effect of the 72}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167 -}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 hour clause is that the losses should be aggregated and treated as one loss for the purpose of the clause limiting New India\rquote 
s liability to $150,000 for \'93any one loss\'94. }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  Accordingly, on New India\rquote s interpretation, Kalabo is entitled to receive $150,000 in total for these losses.
\par }\pard\plain \ltrpar\s23\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [6]\tab For its part, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 Kalabo argues that the 72}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167 -}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 hour clause does not apply }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 in the way that New India contends.  It argues t}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 hat }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 under the policy }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 
there were three losses, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 one at each supermarket, so that }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 each }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167 is }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266 independently subject to the $150,000 limitation. }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  Consequently, Kalabo 
argues, it is entitled under the policy to receive $450,000 for its losses from the power failures following the March floods.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 
The figures referred to would be subject to the deductible of $1,500.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard\plain \ltrpar\s23\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13136266  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [7]\tab The same arguments are made in connection with the refrigerated goods losses at the three other supermarkets following the power failure resulting from the December cyclone.  There,
 the total refrigerated goods losses were $285,050.60, comprising $151,121.51 at the first supermarket, $82,284.55 at the second and $51,644.54 at the third.  On Kalabo\rquote s interpretation of the relevant clauses, it would receive almost the
 full amount of its losses ($283,929.09); on New India\rquote s interpretation, Kalabo would receive $150,000.00.
\par 
\par [8]\tab New India offered to pay Kalibo the $300,000 that it accepted was owed under the policy (i.e., $150,000 for each set of losses), but its offer was conditional on Kalabo giving a discharge acknowledging that the $300,000 was in full
 and final settlement of its claims.  Kalabo refused to agree to this and issued proceedings against New India.  
\par 
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 Kalabo\rquote s Proceedings}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid994947 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [9]\tab In its proceedings, Kalabo sought payment of $789,264.44 (or as much of that sum as was found to be due and payable), plus interest at 10% per annum compounded under the s 34 of the Insurance Law Reform Act 1996.}{\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 There was also a claim for consequential damages, but }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 I}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244  can put that to one side.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   In addition,
 it applied for summary judgment for the sum that New India accepted was payable under the policy, ie, $300,000 (less deductible), together with interest on that sum at 10%.   The Master granted the application for summary judgment
, with the result that New India paid that amount plus interest at 10%.  This left the matter to go to trial on the remaining amount.
\par 
\par [10]\tab Before trial, the parties agreed that no witnesses would be called.  Rather, the trial would be conducted
 on the basis of an agreed statement of facts and the documentary evidence before the Court.  In the result, the High Court considered that Kalabo\rquote s interpretation of the policy was correct 
and awarded judgment for the amount sought, together with interest at 10%.  This decision was upheld in the Court of Appeal.  New India now seeks leave to appeal to this Court. 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid3420497 The }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 Application for Leave
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [11]\tab As set out in its petition for leave, New India\rquote 
s grounds are extensive.  For present purposes, however, I summarise them as follows:
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid15080697 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\ql \fi-360\li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls36\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid15080697 The Court of Appeal was wrong to hold that, in terms of the insurance policy, the refrigerated goods losses at each of Kalabo\rquote 
s three supermarkets following the March flood were independent losses for the purpose of the policy limit of $150,000.  Similarly, it was wrong when it found that the refrigerated goods losses at Kalabo\rquote s three other supermarkets 
following the December cyclone were independent losses for the purpose of the $150,000 limitation.
\par }\pard \ltrpar\s23\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid15080697 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\s23\ql \fi-360\li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls36\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid15080697 
The Court of Appeal was wrong to uphold the High Court\rquote s award under s 34 of the Insurance Law Reform Act of interest at 10% compounding annually on the sum remaining to be paid
 at the time of trial (ie, excluding the $300,000 paid by New India following summary judgment).
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid2558767 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid15080697 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar
\s23\ql \fi-360\li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls36\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid15080697 
The Court was wrong to reject New India\rquote s argument based on estoppel by convention.
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [12]\tab Under s 7(3)
 of the Supreme Court Act 1998, the Court may not grant leave to appeal unless the case raises a far-reaching question of law, a matter of great general or public importance or a matter that is otherwise of substantial general interest to the administrati
on of civil justice.  
\par 
\par [13]\tab In my view, leave to appeal should be granted on the first two matters set out in paragraph [11], but not on the third. 
\par 
\par [14]\tab In relation to the first issue, the interpretation of this policy is likely to have wider application than simply between the two parties before the Court.  Fiji is prone to heavy rain that results in widespread flooding and to other forms of 
destructive natural disasters.  How the clauses at issue in this case operate in these circumstances is a matter of more general interest than simply these parties.  As neither of the Courts below undertook a thorough analysis of the policy wording, 
I consider that this Court must do so.  In relation to the second issue, this Court has recently considered the application of s 34 of the Insurance Law Reform Act: see }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid8600167\charrsid1048673 New India Assurance Co Ltd v}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid1048673  }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid1048673 
Punjas & Sons Ltd}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid1048673 .}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\b\f0\fs24\ul\super\insrsid8600167\charrsid1048673 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af39 \ltrch\fcs0 
\cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \ab\ai\af39 \ltrch\fcs0 \i\f0\insrsid8600167\charrsid6507220 New India Assurance Co Ltd v}{\rtlch\fcs1 \ab\af39 \ltrch\fcs0 
\f0\insrsid8600167\charrsid6507220  }{\rtlch\fcs1 \ab\ai\af39 \ltrch\fcs0 \i\f0\insrsid8600167\charrsid6507220 Punjas & Sons Ltd}{\rtlch\fcs1 \ab\af39 \ltrch\fcs0 \f0\insrsid8600167\charrsid6507220  [2022] FJSC 49 at paras [34]-[49].}}}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   However, I would grant leave in the present case given that the relevant principles were not set out in the judgments of the Courts below and can usefully be restated in the context of this appeal.

\par 
\par [15]\tab The reason that I would deny leave on the \'93estoppel by convention\'94 issue is that it is based on the settlement of a claim under an earlier insurance policy between the parties, referred to as the 2009 policy
.  This, it is argued, established a course of dealing between the parties sufficient to establish an estoppel by convention.  However, that policy is not in evidence before the Court.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af39 \ltrch\fcs0 \cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167 Apparently, the placing slip was in evidence in the Courts below, but it alone is not sufficient.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   It is not referred to in Kalabo\rquote 
s affidavit of documents, but it is referred to in that of New India.  Given its importance to the estoppel argument, it should have been in evidence.  Other evidence would also have been needed.  Mr Gordon tried to address this evidentiary 
deficiency by relying on the pleadings.  However, I do not see how the Court can address the estoppel by convention issue appropriately on basis of the material before us.  Accordingly, I would not grant leave on that issue.
\par 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 The P}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid8600167\charrsid3420497 olicy }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 W}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid3420497 ording}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 
\b\f0\fs24\insrsid8600167  
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [16]\tab As a consequence of the agreement made between the parties before trial, I must proceed on the basis of the agreed statement of facts and the documentary evidence.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs26\f0\fs24\super\insrsid8600167\charrsid6177370  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 The critical documentary evidence is the insurance policy,}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 
\chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244 
 This wording is taken from the 2012 policy.  As noted in fn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  above, there is no material difference in wording from the 2011 policy.}}}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  the relevant provisions of which I will now describe. 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [17]\tab The policy was entered into
 by way of a placing slip prepared by Kalabo\rquote s broker, AON.  The resulting policy, which was also prepared by AON, provided what was, in effect, \'93all risks\'94 cover for material damage and for business interruption.  The policy 
consisted of a title page, a Schedule, which set out some important terms of cover; separate Sections dealing with material damage and with business interruption; Conditions
, which contained conditions applicable to both material damage and business interruption as well as conditions applying to each separately; and Memoranda, again both common and individual.  
\par 
\par [18]\tab The material damage section provided cover against }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11869573 \'93all risks of physical loss or damage \endash  unintended and unforeseen by the insured }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11869573 \u8722\'2d}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11869573  not otherwise excluded by the policy\'94.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167   I highlight four features of the material damage cover.   
\par 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \b\i\cf1\dbch\af0\ulc1\insrsid8600167\charrsid10503539 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar
\s23\qj \fi-720\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid10503539 Refrigerated goods cover
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [19]\tab First, the policy provided refrigerated goods cover, as follows:
\par 
\par }\pard \ltrpar\qj \fi-1440\li2880\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin2880\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid8600167 Refrigerated Goods:
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 This Policy extends to cover:
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls22\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 damage to goods stored in in refrigerated cabinets or chambers arising from accidental stoppage or malfu
nction of refrigerating plant from any cause whatsoever except as provided below.
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (b)\tab}\'85
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid7416445 Special Provisions}{\rtlch\fcs1 
\ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls23\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 The words \lquote goods stored\rquote 
 are deemed to include goods anywhere on the premises at the time of the loss causing event and that, would but for the event, have been placed in the refrigerated cabinets or chambers.
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 2.\tab}In respect of loss due to the disconnection of the public electrici
ty supply, this extension only covers the loss where the electricity supplier has given less than 24 hours prior notice of the disconnection.\'94}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7416445 
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [20]\tab Accordingly, the policy provided cover
 where there was an accidental stoppage of the refrigerating plant \'93}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid2558767 from any cause whatsoever}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \'94
 (subject to an irrelevant exception).  Special provision 2 makes it clear that losses resulting from interruption of the public power supply fall within the clause (where the electricity supplier has given less than 24 hours\rquote  not
ice of disconnection).  As noted, the parties agreed that Kalabo\rquote s cover under this extension applied to the refrigerated goods losses resulting from the power failures resulting from the March flood and the December cyclone.
\par 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \b\i\cf1\dbch\af0\ulc1\insrsid8600167\charrsid10503539 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}\pard\plain \ltrpar
\s23\qj \fi-720\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid10503539 Liability limits
\par }\pard\plain \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [21]\tab Second, the policy limited New India\rquote 
s maximum liability for, among other things, flood and refrigerated goods claims:
\par }\pard \ltrpar\qj \fi720\li720\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid7954861 Special Limit}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 :
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid8600167\charrsid7954861 
\par }\pard \ltrpar\ql \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7954861 The Company\rquote 
s maximum liability for any one loss (or otherwise as applicable) under the following Specifications is limited as shown:
\par }\pard \ltrpar\qj \fi720\li1080\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1080\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'85
\par }\pard \ltrpar\qj \fi720\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Water including Flood \endash  (MD&BI)
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af39 \ltrch\fcs0 \f3\cf1\ulc1\insrsid8600167\charrsid11560900 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2160\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin828\lin2160\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 Nadi/Ba insured locations limit\'85\'85\'85\'85\'85\'85\'85\'85}{\rtlch\fcs1 \ab\ai\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'85  }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 $100,000
\par }\pard\plain \ltrpar\qj \fi720\li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 per event per location and $200,000 per location}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8131067 in annual aggregate}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  and during the policy period
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af39 \ltrch\fcs0 \f3\cf1\ulc1\insrsid8600167\charrsid11560900 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2160\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin828\lin2160\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 All other locations \endash  per event, per location and    }{\rtlch\fcs1 \ab\ai\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167 \tab }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 $200,000
\par }\pard\plain \ltrpar\qj \fi720\li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 $350,000 per location and in annual aggregate
\par }\pard \ltrpar\qj \fi720\li1080\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1080\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'85
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8730710 Refrigerated Goods }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \u8722\'2d}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  }{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8730710 Limit any one loss }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'85\'85\'85\'85\'85\'85 }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid8730710 $150,000}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par \'85\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8730710 
\par }\pard\plain \ltrpar\s23\qj \li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \tab There does not appear to be any limitation of liability clause in relation to tropical cyclone cover. 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs16\insrsid8600167\charrsid8339107 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [22]\tab Whereas the refrigerated goods special limit applies to \'93any one loss\'94, the flood damage limit has several elements - a \'93per event, per location\'94 l
imit, and a location-based annual aggregate limit.  Looking at the other Special Limits provided for in the Schedule, most apply to \'93any one loss\'94 but one applies to \'93any one location\'94.  
As is clear from the Schedule of Locations/Sums Insured, the reference to \'93location\'94 is a reference to the individual supermarkets insured under the policy.  
The different limits in the clause indicate that specific consideration was given to how the various limits were to be formulated.}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid13042658 
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs18\insrsid8600167\charrsid8339107 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \b\i\cf1\dbch\af0\ulc1\insrsid8600167\charrsid10503539 \hich\af0\dbch\af0\loch\f0 (iii)\tab}}\pard\plain \ltrpar
\s23\ql \fi-720\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid10503539 Deductibles
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs16\insrsid8600167\charrsid8339107 
\par }\pard \ltrpar\ql \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [23]\tab Third, the policy\rquote s 
provisions in relation to the deductibles for two perils and one type of damage }{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \u8722\'2d}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  
tropical cyclones, flood and refrigerated goods }{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \u8722\'2d}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  were as follows:}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid16062449 
\par }\pard \ltrpar\ql \fi-1440\li2880\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\itap0\pararsid8600167 {\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\f0\fs12\insrsid8600167\charrsid8339107 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid7954861 Deductibles}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8133022 :}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\ul\insrsid8600167\charrsid7954861 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
Applicable to each and every loss or series of losses arising out of one event... From each adjusted loss the amount specified below will be deducted.
\par 
\par A series of events arising from any one cause during any period of 72 consecutive hours will be treated as one event for the purpose of applying the Deductible.
\par }\pard \ltrpar\qj \fi360\li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'85}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid8726242 
\par }\pard \ltrpar\qj \fi-2520\li4320\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin4320\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Tropical Cyclone\tab 
10% of final adjusted loss or F$1,000 whatever greater but not exceeding 10% of Sum Insured as stated in the within policy
\par }\pard \ltrpar\qj \li4320\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin4320\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \tab }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid16454329 
\par }\pard\plain \ltrpar\s23\qj \li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Flood                               $15,000 any one location any one loss
\par 
\par Refrigerated Goods        $1,500\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8339107 
\par }\pard\plain \ltrpar\ql \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [24]\tab For the purposes of the discussion which follows, four features of this provision are noteworthy: 
\par  
\par }\pard \ltrpar\ql \fi-720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 (a)\tab The clause distinguishes between a }{\rtlch\fcs1 
\ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11821211 \'93loss\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 , a }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11821211 \'93
series of losses\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 , an }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11821211 \'93event\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
, a }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11821211 \'93series of events\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  and a }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid11821211 \'93cause\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .
\par (b)\tab The aggregation provision relating to a series of events arising from one cause during any 72-hour period means that several events will be treated as one event for the purpose of applying the deductible. 
\par 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7015186  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 (c)\tab }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7015186 
The tropical cyclone deductible must not exceed }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7015186 \'9310% of the Sum Insured as stated in the within policy\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid7015186 .  The reference to }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid5992022 \'93sum insured\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7015186 
 must be a reference to the sum insured for the particular location suffering cyclone damage.  The sums insured for the individual insured locations are set out in a schedule.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard\plain \ltrpar\s23\ql \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7015186 
\par }\pard\plain \ltrpar\ql \fi-720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 (d)\tab }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7564550 Whereas the flood deductible refers to a loss at a location, the
 refrigerated goods deductible is simply an amount. }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7564550 
\par }\pard \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \b\i\cf1\dbch\af0\ulc1\insrsid8600167\charrsid10503539 \hich\af0\dbch\af0\loch\f0 (iv)\tab}}\pard\plain \ltrpar
\s23\ql \fi-796\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls34\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid10503539 72-hour clause
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [25]\tab Fourth, the policy contained a 72-hour
 clause which limited New India\rquote s liability in certain circumstances:
\par }\pard \ltrpar\ql \fi-1440\li2880\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid15623747 
\par }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid6638349 72-hour clause}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 :}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\highlight7\insrsid8600167\charrsid10823967  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid10710020 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
All insured losses that occur during a period of 72 hours consecutive hours }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8133022 caused by}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 :
\par  
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-567\li2268\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls18\adjustright\rin828\lin2268\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Earthquake, earth tremor, seaquake tidal wave or any other loss from seismic activity insured under this Insurance

\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (b)\tab}Volcanic eruption
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (c)\tab}Hurricane, typhoon, tornado, windstorm wind driven water or other wind peril insured under this Insurance 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (d)\tab}Flood
\par }\pard \ltrpar\s23\qj \li2268\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin2268\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8944351 
\par }\pard\plain \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 shall be deemed }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8133022 a single loss occurrence}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
 for the purposes of this insurance.
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs14\insrsid8600167\charrsid8944351 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Any such event, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8133022 which continues for a period exceeding 72 consecutive hours shall be,
 deemed two or more events}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 . }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid6043730 
\par }\pard \ltrpar\qj \li720\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 The insured may choose the date and time when }{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8133022 such loss period of 72 hours}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  shall commence provided that:
\par 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar
\s23\qj \fi-567\li2268\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls19\adjustright\rin828\lin2268\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 This is not earlier than }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8133022 
the first recorded loss sustained by the insured.
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (ii)\tab}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
The date of commencement falls within the period of this Insurance.
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (iii)\tab}No two or more periods of 72 hours shall overlap.\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid8944351 
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \tab \tab 
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Again, this clause is a form of aggregation clause.  Its 
meaning is at the heart of the present dispute.
\par }\pard \ltrpar\ql \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 
\par Approach to interpretation of insurance policies}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid9597146 
\par }\pard \ltrpar\ql \fi720\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [26]\tab 
Section 29 of the Insurance Law Reform Act 1996 sets out the rules of construction to be observed in the interpretation of insurance policies.  It provides:
\par }\pard \ltrpar\ql \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-426\li1560\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1560\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'9329 
Notwithstanding any law or agreement to the contrary, the following rules of construction shall be observed in the interpretation of any proposal for insurance or any policy of insurance or endorsement on a policy of insurance}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167 \emdash }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 the intention of the pa
rties, ascertained from the face of the documents, documents incorporated therewith and surrounding circumstances, shall prevail;
\par }\pard \ltrpar\s23\qj \li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
the whole of a document shall be looked at and not a particular clause;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 written words shall ordinarily be given more effect than printed words;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 wherever possible, the grammatical construction shall be adopted, but the 
intention of the parties shall be of paramount consideration;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 words shall be construed in their plai
n, ordinary, popular, commonsense and natural meaning except that terms of art or technical words shall be understood in their strict, technical and proper sense unless the context controls or alters the meaning;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (f)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 the meaning of a word is to be ascerta
ined with reference to its context and may be restricted or modified thereby, and where, from the context, it appears that the parties intended to use the word in a special and peculiar sense, and not in a meaning which it might otherwise bear, the word s
hall be construed in accordance with their intention;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (g)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
subject to the precise terms, subject matter and context of a clause, where specifications of particular things belonging to the same genus precede a work of general signification, the latter word o
f general signification, shall be confined in its meaning to things belonging to the same genus and shall not include things belonging to a different genus;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (h)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 where a word of general signification is followed by words of limitation or definition, which 
introduce words of narrower signification, the first word shall not be taken in its full sense but shall be construed as limited by and applying only to the particulars specified;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (i)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 words shall be construed to mean what they say, unless there is some st
rong ground for placing a different construction on the words from what they naturally import;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (j)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
words shall be construed liberally so as to give effect to the real intention of the parties and the document shall not be so construed as to defeat the object of the transaction or as to render it illusory;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (k)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
in any case of ambiguity, where words are capable of more than one construction, the reasonable construction shall be taken to represent the intention of the parties;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (l)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 the language of a document 
shall not be strained in favour of or against any party but if there is any ambiguity, the ambiguity shall be resolved in favour of the person insured;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (m)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
every effort shall be made to reconcile inconsistencies, but where there is an inconsistency between the wording of a policy and that in the proposal or any earlier document, the policy shall be regarded as expressing the true intention of the parties in 
the absence of sufficient evidence to the contrary;
\par }\pard\plain \ltrpar\qj \li0\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (n)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2520\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls32\adjustright\rin828\lin2520\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 an express term shall override any implied term inconsistent with it.\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid6176475 
\par }\pard\plain \ltrpar\ql \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \tab \tab 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [27]\tab Notably, s 29
 does not provide for the operation of the }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7760784 contra proferentem}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  rule (i.e., the rule s
tating that where a clause is ambiguous, it should be interpreted against the interests of the party responsible for including it in the contract).  Rather, s 29(l
) provides that in cases of ambiguity, the ambiguity will be resolved in favour of the insured.
\par 
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 Analysis}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid10503539 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [28]\tab As I have said, the policy comprises a title page, Schedule, two Sections dealing Material Damage and Business Interruption, Conditions and Memoranda, some common to both material damage and business interruption cover
, others applying only to one or other.  The way such policies are put together can lead to difficulties of interpretation, sometimes requiring, as one Judge put it, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid10829027 \'93
some mental gymnastics\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 
\rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 Star Entertainment Group Limited v Chubb Insurance Australia Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244  [2022] FCAFC 16, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 (2022) 400 ALR 25 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 at [6].}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  to see how the agreed terms operate and which clauses prevail over others.  This is a feature of the present case.

\par 
\par [29]\tab Aggregation clauses take many guises, appearing in different insurance and reinsurance settings and often create difficulties of interpretation.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\af39 \ltrch\fcs0 \cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 See, for example, the discussion in }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\insrsid8600167\charrsid15622365 Kelly & Ball Principles of Insurance Law}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167  at [8.0130.5] and following.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
  Sometimes they work to the benefit of an insured, sometimes to the benefit of an insurer.  
So, in the present case, one of the aggregation provisions affects deductibles in a way that favours the insured, whereas the other limits liability in a way that favours the insurer.  
In the context of aggregation clauses in professional indemnity policies, the United Kingdom Supreme Court has said:}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 AIG Europe Ltd v Woodman}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244  [2017] UKSC 18 at para [14].}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par 
\par }\pard \ltrpar\qj \fi-120\li1560\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1560\itap0\pararsid8600167 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid15746289 Because }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 [aggregation]}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid15746289 
 clauses have the capacity in some cases to operate in}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid15746289 
favour of the insurer (by capping the total sum insured), and in other cases to operate in favour of the insured (by capping the amount deductible per claim), they are not to be approached with a predi
sposition towards either a broad or a narrow interpretation.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'94}{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8339107 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  \tab I agree.
\par 
\par [30]\tab In relation to the refrigerated goods damage at the three supermarkets following the March flood, Mr Young for Kalabo argued that the 72-hour clause did not apply to limit Kalabo\rquote s recovery to $150,000 for two reasons:  
\par 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid11543813 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls35\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11543813 First, he argued that the purpose of the clause was to aggregate }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11543813 events}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11543813  which caused losses, rather than to aggregate losses arising from a single event.   
\par }\pard \ltrpar\s23\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid11543813 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\s23\qj \fi-360\li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls35\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11543813 Second, he argued t}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 hat the cause of the damage at K}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11543813 alabo\rquote s three supermarkets was the power failure, not the flood.  
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11219138 
\par }\pard\plain \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11219138 Similar arguments }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 were made }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11219138 
in the case of the losses resulting from the December cyclone.  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid9442902 I deal with each argument in turn.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Is the purpose of the 72-hour clause to aggregate events, not losses?}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid13054193 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [31]\tab Mr Young put his first argument as follows in his written submissions:
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs18\insrsid8600167\charrsid8339107 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93
all losses occurring within 72 hours which are caused by two or more events stated in (a) to (d) are treated as caused by one event for the purpose of applying Deductibles or special limit per event provided in the policy.  The clause aggregates events ca
using the losses for the purpose of Deductible or per event limit.\'94 }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [Emphasis omitted].}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid10972106 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [32]\tab Mr Young stressed the use of the word \'93occurrence\'94 and said that it meant \'93event\'94. He suggested that the word \'93loss\'94 in the phrase was \'93surplusage\'94.  He drew support for this from the opening words of the next sentence 
in the provision }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \u8722\'2d}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  \'93}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11821211 
Any such event}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \'94 }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \u8722\'2d}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 which he argued referred back to \'93occurrence\'94.  He also drew support from the Deductibles clause, which says:
\par 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167 A series of events arising from any one cause during any period of 72 consecutive hours will be treated as one event for the purpose of applying the Deductible.}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\'94}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid11755329 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   
\par [33] \tab Mr Young is correct that the word \'93occurrence\'94 in insurance policies is generally synonymous with \'93event\'94.  
Often it will refer to something which happens at a particular time in a particular way at a particular place.  But that is not always the case.   As Lord Briggs said in }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\b\f0\fs24\ul\insrsid8600167\charrsid8339107 Financial Conduct Authority v Arch Insurance (UK) Ltd}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13203181 :}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 Financial Conduct Authority v Arch Insurance (UK) Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244  [}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167 2021}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 ]}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167  UKSC 1}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid931244 , at [323].}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   
\par 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid4077806 Depending upon context, the word \'93occurrence\'94
 can properly be applied to happenings which do not take place at a single specified time, in a particular way and at a particular location. Thus a hurricane, a storm or a flood may properly be described as an occurrence even though each may take place ov
er a substantial period of time, and over an area which changes over time.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'94}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4077806  }{\rtlch\fcs1 
\ab\ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4077806 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [34]\tab I do not accept Mr Young\rquote s argument that the purpose of the 72-hour clause was to aggregate events rather than losses, as I now explain.  
\par 
\par [35]\tab The 72-hour clause can be broken down into six elements:
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs10\insrsid8600167\charrsid11869573 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af39 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid12008642 \hich\af0\dbch\af0\loch\f0 (1)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1778\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls24\adjustright\rin0\lin1778\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12008642 all insured losses
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af39 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (2)\tab}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 that occur during a period of 72 consecutive hours}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid10696727   }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af39 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (3)\tab}caused by a named peril
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af39 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (4)\tab}shall be deemed (ie, treated as)
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af39 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (5)\tab}a single loss occurrence 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af39 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (6)\tab}for the purposes of the insurance policy.
\par }\pard \ltrpar\s23\qj \li1800\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [36]\tab If one asks \'93what is deemed to be a single loss occurrence?\'94, the answer is }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11869573 \'93}{
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid4610303 all insured losses}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11869573 \'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 occurring during a 72-hour period caused by }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11561206 any}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  of the named perils.  
As this indicates, the clause aggregates losses, not events.  There is no wording suggesting that the purpose of the clause is to aggregate two or more events.  For example, the clause simply says \'93caused by\'94, not \'93caused by any two or more of
\'94, the named events. 
\par 
\par [37]\tab Accordingly, in my view, the provision means that all insured losses occurring within a 72-hour period arising from a named event are to be treated as the occurring of a single loss for the purpose of the policy.  The special limits
 clause is, of course, an important component of the policy.
\par 
\par [38]\tab This interpretation of the phrase \'93a single loss occurrence\'94 is supported by the remainder of the 72-hour clause.  When the clause goes on to refer to }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11869573 \'93
Any such event\'94,}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  the word \'93event\'94 is not, as Mr Young contended, referring back to the word \'93occurrence\'94, but rather back to whichever of the named perils caused the losses.  
Moreover, the clause states that when one of the named events exceeds 72 hours, it can be treated as two or more events.  In addition, the clause allows the insured to choose when the 72-hour period starts, provided that it is not earlier that the }{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7874759 \'93first recorded loss sustained by the insured\'94.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   
This again indicates that the 72-hour clause is intended to aggregate losses, not events.
\par 
\par [39]\tab This interpretation also derives some support from the only other instance in the policy where the phrase }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7874759 \'93loss occurrence\'94}{\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8600167  is used.   As I discuss further when I address Mr Young\rquote s second argument, the policy insured against damage \'93directly caused by water\'94, including flood water.  The policy went on to provide:
\par 
\par }\pard \ltrpar\qj \li1134\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1134\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93With respect to flood, }{\rtlch\fcs1 \ai\af39\afs24 
\ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid4747908 loss occurrence}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  shall mean all losses, wherever occurring, which arise between the time of movement of water into, onto, 
or over the property insured hereunder and the receding of the same, regardless of the time so embraced; EXCEPT, }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid4747908 no loss occurrence}{\rtlch\fcs1 \ab\ai\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167  shall be deemed to commence earlier than the date and the time of the happening of the first recorded individual loss to the Insured in that occurrence 
during the period of this insurance, nor to extend beyond three days after the expiry of this Insurance.\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  [Emphasis added.]}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid4747908 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Here, \'93loss occurrence\'94 aggregates a series of losses from a
 single event (a flood) \endash  it does not aggregate events.  
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [40]\tab 
There is one further aspect of the 72-hour clause that I mention now but will discuss later in these reasons, which is whether the clause aggregates losses at different }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid12672717 locations}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  where damage is suffered during the 72-hour period.  
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par 
\par Were the losses caused by power failure, not by flood?}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4747908 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [41]\tab Mr Young\rquote s second argument was that the refrigerated goods losses in March 2012 were caused by power failure, not by flood, so that the 72-hour clause did not apply.  Mr Young said that the flood had }{\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7874759 \'93}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid4610303 facilitated}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7874759 \'94}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  the loss, but did not \'93cause\'94 it, i.e., the flood was not the proximate (or efficient) cause of the losses.  Similarly, the refrigerated goods losses following the December cyclone
 were caused by power failure, not Cyclone Evan.
\par 
\par [42]\tab The flooding occurred on 29-30 March 2012, when a tropical depression produced very heavy rainfall over a short period and resulted in widespread flash-flooding, especially in the Western Division of Viti Levu, causing loss of life and 
substantial damage to infrastructure and other property.  It took some time to restore the power supply.  
\par 
\par [43]\tab The starting point for analysis is that the policy provided cover for refrigerated goods losses caused by (among other things) a power supplier\rquote s decision to discontinue electricity supply (providing the supplier gave less than 24 hours
\rquote  notice of the discontinuance).  Obvious situations where a power distributor in Fiji would discontinue supply are where flooding and/or tropical cyclones create conditions which make it dangerous to continue supply
, whether from the viewpoint of customers or of the network.  The refrigerated losses clause would also provide cover where the power supply network failed because widespread flooding and/or a tropical cyclone damaged key equipment, even if that flooding 
or tropical cyclone did not enter or damage Kalabo\rquote s insured premises.  So, the refrigerated goods losses that Kalabo suffered were contemplated in terms of the policy.
\par 
\par [44]\tab The 72-hour clause deals with perils that take place over a period of time (including floods and tropical cyclones) and cause insured losses.  As the refrigerated goods losses were contemplated in terms of the policy, and floods and/
or tropical cyclones contributed in a causative sense to those losses, on the face of it the 72-hour clause would apply.  But Mr Young argues that there is no legally effective causal connection between the flood and cyclone and the losses at issue.  

\par 
\par [45]\tab Lord Wright famously said in }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid8339107 Yorkshire Dale Steamship Co Ltd v Minister of War Transport}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 that the choice of the real or efficient cause from out of the whole complex of facts must be made applying common sense standards \endash  \'93causation is to be understood a
s the man in the street, and not as either the scientist or metaphysician, would understand it\'94.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cs26\f0\super\insrsid8600167\charrsid931244 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid931244  }{\rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \i\f0\insrsid8600167\charrsid931244 Yorkshire Dale Steamship Co Ltd v Minister of War Transport}{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid8600167  [1942] AC 691 at 706.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   However, this does not mean that it is \'93a matter }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid14120849 of choosing a cause as proximate on the basis of an unguided gut feeling}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \'94.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs26\f0\super\insrsid8600167\charrsid14120849 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid8600167\charrsid14120849  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid14120849 Financial Conduct Authority v Arch Insurance (UK) Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 , above fn 11,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid14120849  per Lord Hamblen and Lord Leggatt (with whom Lord Reed agreed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 ) at para [168]}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid14120849 .}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  
 A principled approach must be taken, which involves a careful consideration of the language of the policy, interpreted objectively, and an assessment of the facts against the policy wording. }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid7548246 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [46]\tab In considering this issue, I begin with the agreed statement of facts.  Replicating the Kalabo\rquote s statement of claim, it says:
\par 
\par }\pard \ltrpar\qj \fi-120\li1560\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1560\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167 Whilst the policy was current, [Kalabo\rquote s] refrigerated goods were damaged:
\par }\pard \ltrpar\qj \fi-720\li720\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 in its stores at Market Subdivision, Ba; Sahu Khan St, Nadi and Lodhia Street }{\rtlch\fcs1 \ai\af39\afs24 
\ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid6973267 as a result of FEA\rquote s power failure caused by floods}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  on 30 March 2012;}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\cs26\i\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 
\f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af39 \ltrch\fcs0 \cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167 FEA stands }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid3688324 for }{\rtlch\fcs1 \ab\af39 \ltrch\fcs0 \f0\insrsid8600167\charrsid3688324 
Fiji Electricity Authority, now Fiji Electricity Ltd.}}}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  and
\par }\pard \ltrpar\s23\qj \li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\s23\qj \fi-360\li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls26\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
in is stores at Yasawa St, Lautoka; Market Rd, Nadi and Main St, Tavua }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid6973267 as a result of FEA\rquote s power failure caused by Cyclone Evans}{\rtlch\fcs1 \ab\ai\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167  on 17 December 2012.\'94 }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [Emphasis added.]}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7874759 
\par }\pard \ltrpar\s23\qj \li1800\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1800\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid12540943 \tab \tab \tab 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [47]\tab This description of the power failures being \'93caused\'94 by the flood and Cyclone Evan respectively occurs throughout the parties\rquote  correspondence concerning Kalabo\rquote 
s claims, as Mr Gordon emphasised in his submissions.  But that does not necessarily answer the point of interpretation before the Court.  
\par 
\par [48]\tab Focusing on the issue of flooding, the Agreed Statement\rquote s use of the description }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid1132584 \'93as a result of [the Fiji Electricity Authority\rquote 
s] power failure caused by floods\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  is unhelpful.  It could mean that:
\par  
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid12984864 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls37\adjustright\rin0\lin2160\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 the power supply failed because }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 flash }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid12984864 flooding affected the operation of the network (by knocking out key components, for example); or 
\par }\pard \ltrpar\s23\qj \li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid12984864 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\s23\qj \fi-720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls37\adjustright\rin0\lin2160\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 
the FEA deliberately discontinued the power supply because of concerns about the effect on the network of widespread flooding}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 , actual or anticipated}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid12984864 ; or }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 (possibly)}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167\charrsid12984864 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar
\s23\qj \fi-720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls37\adjustright\rin0\lin2160\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 flooding on the insured\rquote 
s premises }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 either }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 resulted in equipment damage which caused the power supply to fail}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  or caused Kalabo\rquote s employees to shut down the power supply at the premises for safety reasons}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864 .}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 
\ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af39 \ltrch\fcs0 \cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167 Generally, a reasonable human intervention of this sort will not break the chain of causation in these circumstances: see, for example, }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid14120849 Financial Conduct Authority v Arch Insurance (UK) Ltd}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 , above n11, }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid14120849 per Lord Hamblen and Lord Leggatt (with whom Lord Reed agreed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 
) at para [168].  Moreover, the insurance policy contained a provision requiring the insured to take prompt and reasonable steps to protect the insured property upon becoming aware of an event which was likely to give rise to a claim}}}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid12984864   
\par }\pard \ltrpar\s23\qj \li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs6\insrsid8600167\charrsid4419687 
\par }\pard\plain \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 The precise reason for the power failure matters in terms of the operation of the policy.
  Given the description in the Agreed Statement of Facts, the first of the options is the most likely, but the parties should have provided more detailed information on this aspect in the Agreed Statement of Facts.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs12\insrsid8600167\charrsid4419687 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [49]\tab The policy provides specific cover for flood damage.  The cover provided is for damage to the insured\rquote s property \'93}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid8600167\charrsid7756927 directly caused by water}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \'94 including flood water, subject to several irrelevant exclusions.  The use of the term }{\rtlch\fcs1 
\ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid1132584 \'93directly\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  is significant.  It can be contrasted with the broader language used in
 other clauses, for example, that dealing with land movement.  There, the policy says it does not insure }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid1132584 \'93against loss or }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid677676 damage}{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\insrsid8600167\charrsid677676  directly or indirectly caused by or resulting from}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid1132584  landslip, subsidence or erosion of land\'94.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167   [Emphasis added.]  
\par 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs12\insrsid8600167\charrsid4419687 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [50]\tab The flood cover provision then gives a wide definition of \'93flood\'94, as follows: 
\par \tab \tab 
\par \tab \tab }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 Definition of Flood:
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid14503347 
\par }\pard \ltrpar\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid14503347 \'93}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang5129\langfe1033\langnp5129\insrsid8600167 If Flood is insured under this Section, flood shall mean }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid14503347 
rising water; surface water; waves; tidal waves or tidal water; overflow of streams, rivers, lakes, ponds or other bosies of water; or spray from any of the foregoing; all whether driven by wind or not.}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid14503347 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 With respect to flood, }{\rtlch\fcs1 \ab\ai\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid14974582 loss occurrence}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  shall mean all losses, wherever occurring, }{\rtlch\fcs1 \ai\af39\afs24 \ltrch\fcs0 
\b\i\f0\fs24\insrsid8600167\charrsid14974582 which arise between the time of movement of water into, onto, or over the property insured hereunder and the receding of the same, regardless of the time so embraced}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167 ; \'85.\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Although it is headed \'93Definition of Flood\'94, this clau
se really does two things.  First, it provides a definition of }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid6973267 \'93flood\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
; second, it provides a definition of what }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid6973267 \'93loss occurrence\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 means in the context of the flood cover. 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [51]\tab What emerges from this is that there are two elements to the policy\rquote s flood coverage, which reinforce each other }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \endash }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167  first, that the insured damage must be }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid7756927 directly caused by wate}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 r}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  and second, that the damage must occur }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167\charrsid7756927 while the water is on the insured\rquote s property}{\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8600167 .}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid4610303   In short, }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 the policy}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid4610303  provides }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 what is sometimes referred to as }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid4610303 \'93on premises\'94 }{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 flood }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid4610303 cover.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par 
\par [52]\tab As already noted, the policy contains a provision limiting New India\rquote s liability in relation to flood damage on a }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7936088 \'93per event per location\'94}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  basis, with a further annual aggregated location-based limit.  Similarly, the deductible applicable to flood damage is for }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid7936088 \'93any one location any one loss\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .  This differs from the special limit applying to damage to refrigerated goods, which is simply a }{
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7936088 \'93per loss\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  limit.  }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid13042658 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [53]\tab How does the 72-hour clause operate in respect of damage caused by flooding?  It is useful to begin by considering the position under the clause in relation property damage at }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid13991044 one}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  of Kalabo\rquote s supermarkets other than damage to refrigerated goods.  To meet the words of the 72-hour clause }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8600167 \endash }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid13649877 \'93any insured losses \'85 caused by \'85 Flood\'94}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \u8722\'2d}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 the property damage would have to meet the requirements of being directly caused by water while water was on the insured\rquote s property.  If those elements were met and the flooding persisted for 72 hours, the losses caused over that
 period would be treated as }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid13649877 \'93a single loss occurrence\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  under the 72-hour clause.  
\par 
\par [54]  \tab The Special Limits clause in relation to flood damage would then come into play.  It will be recalled that the clause provides:
\par 
\par }\pard \ltrpar\ql \li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid7954861 The Company\rquote s maximum liability for any one loss (or otherwise as applicable) under the following Specifications is limited as shown:
\par }\pard \ltrpar\qj \fi720\li1080\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1080\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'85
\par }\pard \ltrpar\qj \fi720\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Water including Flood \endash  (MD&BI)
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af39 \ltrch\fcs0 \f3\cf1\ulc1\insrsid8600167\charrsid11560900 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2160\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin828\lin2160\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 Nadi/Ba insured locations limit\'85\'85\'85\'85\'85\'85\'85\'85}{\rtlch\fcs1 \ab\ai\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'85  }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 $100,000
\par }\pard\plain \ltrpar\qj \fi720\li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 per event per location and $200,000 per location}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid8131067 in annual aggregate}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  and during the policy period
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\ai\af39 \ltrch\fcs0 \f3\cf1\ulc1\insrsid8600167\charrsid11560900 \loch\af3\dbch\af0\hich\f3 \'b7\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li2160\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin828\lin2160\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 All other locations \endash  per event, per location and    }{\rtlch\fcs1 \ab\ai\af39\afs24 
\ltrch\fcs0 \i\f0\fs24\insrsid8600167 \tab }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 $200,000
\par }\pard\plain \ltrpar\qj \fi720\li1440\ri828\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin828\lin1440\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid11560900 $350,000 per location and in annual aggregate\'94
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid2650664 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \tab The application of the Special Limit would depend on where the particular supermarket was located.  But in principle, there would be no difficulty with aggregating the losses 
caused by flooding under the 72-hour clause at that supermarket for the purpose of the Special Limit.
\par 
\par [55]\tab I now consider the situation where the flood caused property damage other than refrigerated goods damage at }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid4419687 three}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid4419687  }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 of Kalabo\rquote s supermarkets rather than at 
one.  How would the 72-hour clause apply then?  In particular, could the losses at the three locations be aggregated on the basis that they are insured losses caused by flood?  
\par 
\par [56]\tab In my view, the losses across the three supermarkets could not be aggregated because: 
\par 
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13991044 (a)}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167 \tab }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13991044  it is inconsistent with the \'93per location\'94 element of the Special Limit and the deductible provision}{\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8600167 ;}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid13991044  and \tab 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 (b) \tab it would be impossible to apply the Special Limit\rquote s annual aggregated limits.  
\par 
\par }\pard \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 It is difficult to see how losses aggregated across several locations 
and deemed to be }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4419687 \'93a single loss occurrence\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  could be allocated to particular locations appropriately 
for the purpose of the Special Limits.  It is also unclear how the deductible provision would operate in those circumstances.
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [57]\tab This indicates that the 72-hour clause does not operate to aggregate losses across different insured locations in respect of flood damage.  If the clause does not operate to aggregate losses across different insured locations in relation to fl
ood damage, it is difficult to see how it could operate to do that in the context of the other named perils as that would require giving the words }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4419687 \'93all insured losses
\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  in the 72-hour clause a different meaning for different perils.  Making it clear that the clause was intended to aggregate losses across locations would have been straightforward.

\par 
\par [58]\tab The foregoing discussion has addressed a situation where flooding caused property damage at insured locations }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid13709954 other than damage to refrigerated goods}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .  I now turn to the situation where flooding has caused the power supply to fail}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar 
\pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\af39 \ltrch\fcs0 \cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 
Either because the power supplier has shut the network down or because network infrastructure has suffered storm damage.}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  at three of Kalabo\rquote s insured locations 
and that has led to damage to refrigerated goods at each location.  (For these purposes, I am assuming that there was no cover under the flood provisions because their causal and loss occurrence requirements were not met.)  The question
 is how the 72-hour clause applies in that situation.  
\par 
\par [59]\tab The first issue is whether the clause applies at all.  This depends on what is meant by }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid2518483 \'93All insured losses \'85 caused by \'85 Flood\'94}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .   I make three points.
\par 
\par [60]\tab }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7548246 First, although the insured loss in this situation would not meet the definition of }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid13709954 \'93loss occurrence\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7548246  under the flood cover, there would be an }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid13709954 \'93insured loss\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7548246  under the refrigerated goods cover.  So, the \'93insured loss\'94 element of the 72-hour clause would be met.

\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [61]\tab Second, there is the issue raised by Mr Young, ie, whether that loss was }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4419687 \'93caused\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 by flood, given that flooding was not the direct cause but triggered other events which led to the refrigerated goods damage.  In this context, I reiterate that the 72-hour clause refers to losses }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid10583298 \'93caused by\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  flooding rather than using the broader language found elsewhere in the policy of }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid1707692 \'93}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid79870 directly or indirectly caused by or resulting from}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'94}
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  flooding, which would clearly cover storm-related power failures leading to refrigerated goods losses.  
\par 
\par [62]\tab There is a clause in Business Interruption cover provided under the policy that is potentially relevant here.  The clause is headed }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 \'93Off Premises Utility Services\'94}{
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .  It provides Business Interruption cover for: 
\par 
\par }\pard \ltrpar\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7079585 \'93}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167 \'85 }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid7079585 
loss resulting from necessary interruption of business caused by Direct Physical Loss or Damage, as covered by the Insurance to which this extension is attached, to gas, electric, water and telephone supplying the Insured premises.  Limited to within one 
statute mile of the Insured premises\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .
\par 
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 \tab }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167 This clause recognises that the Material Damage section of the policy may provide cover where an insured peril causes off-site power failures that damage the insured\rquote s property.  It might be thought to be relevant t
o the issues in relation to the 72-hour clause.  However, I do not think the clause helps, g}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid5597703 iven that the refrigerated goods cover}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167  is part of the material damage section of the policy and clearly provides cover where losses result from off-site power failures.  Accordingly, I do not see this clause as suggesting
 any particular interpretation of the 72-hour clause.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid5597703 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [63]\tab On the meaning of the phrase }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4419687 \'93caused by\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  in the 72-hour clause, then, 
I incline to the view that it requires a direct causative connection to the loss rather than being the trigger for other processes which result in loss.  However, this is not an issue I need to resolve because of my view on the next point.
\par }\pard\plain \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid3359685 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [64]\tab Third, even if the refrigerated goods losses could be regarded as }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4419687 \'93caused by\'94}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  flooding for the purposes of the 72-hour clause, I do not accept that the 72-hour clause contemplates aggregating losses across different insured locations, for the reasons given above.
\par [65]\tab The final point I make is that, to the extent that there is any relevant ambiguity in the policy, s 
29(l) of the Insurance Law Reform Act requires that it be resolved in favour of the insured (even though, in this case, the policy is that of the insured\rquote s broker).
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Summary of reasoning}{\rtlch\fcs1 \ab\af39\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8600167 
\par 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [66]\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid10814100 Given the complexity of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 foregoing reasoning}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid10814100 , I }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 give the following brief summary:
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1440\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 The factual material
 before the Court does not indicate precisely how the power disruptions occurred.  I have assumed from the way the Agreed Statement of Facts is expressed that either the netwo
rk failed as a result of the storm events or the Fiji Electricity Authority (as it then was) closed the network down anticipating that, otherwise, the storm events would cause the network to fail.  This means I have assumed that it was not the impact of f
lood water on the individual insured premises that caused their power supply to fail.  The Agreed Statement of Facts should have given greater detail about this.
\par }\pard \ltrpar\s23\qj \li1080\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard \ltrpar
\s23\qj \fi-360\li1440\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Contrary to Kalabo\rquote 
s submissions, the 72-hour clause aggregates losses, not events.  This is clear from the way the clause is expressed.
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7500431 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard \ltrpar
\s23\qj \fi-360\li1440\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
In respect of flood damage as defined in the policy (ie, damage directly caused by flood water while flood water was on the premises), the 72-hour clause aggregates losses occurring at individual insured 
locations during a 72-hour period.  But it does not aggregate losses occurring at multiple insured locations during that period.  This is because the limits of liability for flood damage are expressed to be }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\insrsid8600167\charrsid1593387 \'93per-event per location\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  and the deductible is expressed to be }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid1593387 
\'93any one location any one loss\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .  It is difficult to see how these provisions could operate if losses were aggregated across locations, as argued by New India.  
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid14484997 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (d)\tab}}\pard \ltrpar
\s23\qj \fi-360\li1440\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
If the 72-hour clause does not allow the aggregation across insured locations of losses from flood damage, it is difficult to see how it does so for losses from the other perils identified in the clause.
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid7500431 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (e)\tab}}\pard \ltrpar
\s23\qj \fi-360\li1440\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Given the assumptions I have made based on the 
Agreed Statement of Facts about the cause of the power failures, the damage to Kalabo\rquote 
s refrigerated goods does not constitute flood damage as defined in the policy because it was not directly caused by flood water while flood water was on the insured\rquote s pr
emises.  It does, however, fall within the refrigerated goods cover, which contemplates power failures within the network.
\par }\pard \ltrpar\s23\ql \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid31134 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (f)\tab}}\pard \ltrpar
\s23\qj \fi-360\li1440\ri0\sa160\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls40\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
In relation to the refrigerated goods losses and the 72-hour clause, there are two issues to be considered.  The first concerns whether the refrigerated goods losses were }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid31134 \'93
caused by\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 the flood within the meaning of the 72-hour clause.  This question arises because the flood did not directly cause the refrigerated goods losses but rather triggered events which caused them.  Given that the policy uses the broader expression }{
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid31134 \'93directly or indirectly caused by or resulting from\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 in other contexts, it is arguable that the losses were not }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4658514 \'93caused by\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
 the flood.  However, it is unnecessary that I determine that issue.  This is because I consider that even if the losses were }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid157293 \'93caused by\'94}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\insrsid8600167  the flood, in the context of this particular insurance policy, the 72-hour clause does not permit aggregation of losses across different insured locations.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid10814100 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
\par Result}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid6847059 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [67]\tab Accordingly, I consider that the $150,000 special limit for refrigerated goods losses of $150,000 applies at each of Kalabo\rquote s three affected supermarkets.   As a consequence
, Kalabo is entitled to $450,000 (less deductible), rather than $150,000, as argued by New India.
\par 
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Does the same analysis apply in the case of the refrigerated goods damage after Cyclone Evan? }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid9067805 

\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [68]\tab Turning to the damage caused by Cyclone Evan, that was a category 4 tropical storm which caused widespread damage to infrastructure and property in the Northern and Western Divisions of Fiji.  As a consequence, the Government declared
 a state of natural disaster in those Divisions.  
\par 
\par [69]\tab As indicated by the Deductibles provision, liability for cyclone damage falls within the policy\rquote s coverage.  However, it only applies to some of Kalabo\rquote s supermarkets.  The list of locations insured under the policy ident
ifies which of the supermarkets are covered for cyclone damage and which are not.  None of the 
supermarkets which suffered refrigerated goods losses from the power failures resulting from Cyclone Evan were covered for cyclone damage.  This does not, of course, affect the refrigerated goods coverage because that applies
 where there is a breakdown of the refrigeration units }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid2319640 \'93from any cause whatsoever\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .   }{
\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid5578822 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [70]\tab The 72-hours clause\rquote s reference to }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid1980057 \'93All insured losses}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167  \'85}{\rtlch\fcs1 
\ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid1980057  caused by}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  \'85}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 
 other wind peril insured under this Insurance\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  includes
 insured losses from tropical cyclones.  Here, however, the supermarkets affected by the failure of the power supply were not covered for cyclone damage, although their losses did fall within the refrigerated goods cover.  In these circumstances, w
hat is the position under the 72-hour clause in respect of the losses at the three supermarkets?
\par 
\par [71]\tab This raises two of the issues discussed above in the context of floods }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 \endash }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  did Cyclone Evan \'93cause\'94
 the refrigerated goods losses given that it simply triggered events which ultimately led to those losses?  does the clause permit the aggregation of losses across different insured locations?  In my view, even if Cyclone Evan did \'93cause\'94
 the losses, the 72-hour clause does not permit the aggregation of losses across insured locations, for the reasons already discussed.
\par 
\par }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167 Result}{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid4940174 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [72]\tab In the result, I consider that Kalabo is entitled to receive the full amount of the refrigerated goods losses at two of the supermarkets (ie, $82,284.55 and $51,644.54
) and $150,000 for the refrigerated goods damage at the third, subject to application of the deductible.
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 The issue of interest}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167 
\par 
\par [73]\tab Under 34 of the Insurance Law Reform Act 1996, New India is required to pay interest on the amounts payable under the policy }{\rtlch\fcs1 \ab\ai\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid2976144 \'93
for the period commencing the day as from which it was unreasonable for the insurer to have withheld payment of the amount and ending on the day on which payment is made\'94}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 .}{\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \cs26\f0\fs24\super\insrsid8600167 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs20\alang1025 
\ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af39 \ltrch\fcs0 \cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid15074143 Section 57 of the Insurance Contracts Act 1984 (Cth) is to the same effect.  There is a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167 very helpful}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid15074143  discussion of the effect}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\lang5129\langfe1033\langnp5129\insrsid8600167  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid15074143 of that section in }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i\f0\insrsid8600167\charrsid15074143 Kelly & Ball Principles of Insurance Law}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid8600167\charrsid15074143  at }{\rtlch\fcs1 \ab\af39 \ltrch\fcs0 \f0\insrsid8600167\charrsid15074143 [8.0170}{\rtlch\fcs1 \ab\af39 \ltrch\fcs0 \f0\insrsid8600167 .05].}}}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167  
 The amount set in Reg 2(1) of the Insurance Law Reform (Interest Rates) Regulations 2004 for interest under s 34 is 10% per annum.
\par 
\par [74]\tab As previously noted, New India paid Kalabo $300,000 (less deductible) and interest at 10% following the summary judgment proceedings.  New India does not challenge
 that this was appropriate.  Both the High Court and the Court of Appeal considered that interest at 10% on the outstanding balance was also appropriate but did not explain why it was unreasonable for the insurer not to have paid the additional amounts
 earlier.  Interest on the unpaid balances was to run from 1 July 2012 in relation to the losses following the March 2012 flooding, where the unpaid balance was $300,000, and from 15 April 2013 for the losses follow
ing Cyclone Evan, where the unpaid balance was $132,429.  Mr Gordon challenged the interest assessments, arguing that there was no evidence that New India had acted unreasonably in withholding payment.
\par 
\par [75]\tab The position adopted in Australia in relation to an identical provision is that if a claim is incorrectly declined, the insurer will be liable to pay interest, even where it declined payment on a bona fide and reasonable basis.  In }{\rtlch\fcs1 
\ai\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\cf0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid4419687 LCA Marrickville Pty Ltd v Swiss Re International}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs26\f0\fs24\cf0\lang5129\langfe1033\super\langnp5129\insrsid8600167\charrsid9140395 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s24\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 
\af39\afs20\alang1025 \ltrch\fcs0 \f39\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af39 \ltrch\fcs0 \cs26\super\insrsid8600167 \chftn }{\rtlch\fcs1 \af39 \ltrch\fcs0 \insrsid8600167  }{\rtlch\fcs1 \ai\af0 \ltrch\fcs0 
\i\f0\cf0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid9140395 LCA Marrickville Pty Ltd v Swiss Re International }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid9140395 [2022] FCAFC 17}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \f0\cf0\lang5129\langfe1033\langnp5129\insrsid8600167 ;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\cf0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid9140395  (2022) 401 ALR 204}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\cf0\lang5129\langfe1033\langnp5129\insrsid8600167  at [248].}}}{\rtlch\fcs1 \ai\af1\afs20 \ltrch\fcs0 \i\f1\fs20\cf0\lang5129\langfe1033\langnp5129\insrsid8600167  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid9140395 Derrington and Colvin JJ said:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang5129\langfe1033\langnp5129\insrsid8600167     }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 
\f0\fs24\insrsid8600167\charrsid9140395 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard \ltrpar\ql \li1440\ri0\widctlpar\wrapdefault\faauto\rin0\lin1440\itap0\pararsid8600167 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid9140395 \'93
What is required is a determination of the day on which a reasonable insurer would have paid out the claim on which the insured did succeed, assuming the insurer reached the factual conclusions ultimately found by the court and
\par }\pard \ltrpar\qj \fi720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang5129\langfe1033\langnp5129\insrsid8600167\charrsid9140395 
otherwise adopted the correct view as to its legal position.\'94}{\rtlch\fcs1 \ab\ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid9140395 
\par }\pard \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [76]\tab The underlying philosophy is that, whether understandable or not, the insurer has wrongfully declined liability, thus keeping the insured out of their money.  The insurer will be given a reasonable period to investig
ate the claim, which will vary according to the nature and circumstances of the claim.  But after that period for investigation has expired, the insurer\rquote s obligation is to make payment of what is owed under the policy even if that has ultimately
 to be determined by a court.  The fact that the insurer has an arguable but ultimately losing argument on liability or quantum will generally be irrelevant.
\par 
\par [77]\tab In the present case, the policy at issue is that of the insured\rquote s broker, rather than of the insurer, and it is a policy which is difficult to interpret.  I have rejected Kalbo\rquote s interpretation of the 72-hour clause 
as aggregating events, not losses, but have ultimately concluded that Kalabo is entitled under the policy to a greater level of compensation than New India offered.  The interest award allowed a sufficient time for New India to investigate Kalabo\rquote 
s claims.  In those circumstances, I consider that the interest award of 10% must stand.
\par 
\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\insrsid8600167 Disposition}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par 
\par [78] \tab In the result I would:
\par 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (a)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Grant New India leave to appeal on the questions set out in paragraphs 11(a) and (b) above;
\par }\pard\plain \ltrpar\qj \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs18\insrsid8600167\charrsid8339107 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (b)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Dismiss New India\rquote s appeal on both issues; and
\par }\pard\plain \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs18\insrsid8600167\charrsid8339107 
\par {\listtext\pard\plain\ltrpar \s23 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \cf1\dbch\af0\ulc1\insrsid8600167 \hich\af0\dbch\af0\loch\f0 (c)\tab}}\pard\plain \ltrpar
\s23\qj \fi-360\li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls38\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 
{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 Order that New India pay Kalbo costs of $5,000 in relation to this appeal.}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167\charrsid461443 
\par }\pard\plain \ltrpar\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par }\pard\plain \ltrpar\s23\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167\contextualspace \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 
\f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid11949278 Jitoko, J}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167 
\par 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid11949278 
\par }\pard \ltrpar\s23\qj \fi-720\li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 [79]\tab I have had the
 advantage of reading in draft the judgment of Arnold J.  I agree with his reasoning and conclusions and with the orders proposed.
\par }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 \rtlch\fcs1 \af39\afs22\alang1025 \ltrch\fcs0 \f39\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 
\ab\af39\afs24 \ltrch\fcs0 \f0\fs24\insrsid8600167 
\par [80]\tab }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid8600167\charrsid12405689 Orders}{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\i\f0\fs24\ul\insrsid8600167 
\par }\pard \ltrpar\qj \fi567\li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid12405689 1.\tab 
The Petitioner is granted leave to appeal against:
\par }\pard \ltrpar\qj \li1080\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1080\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs12\insrsid8600167\charrsid12405689 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167\charrsid12405689 \hich\af0\dbch\af0\loch\f0 1.\tab}}\pard \ltrpar
\qj \fi-447\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls42\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid12405689 The Court of Appeal\rquote 
s finding that the refrigerated goods losses at the Respondent\rquote 
s three supermarkets following the March 2012 floods and the refrigerated goods losses at three other supermarkets following Cyclone Evan in December 2012 were independent losses for the purposes of the \'93per loss\'94 policy limit of $150,000; and

\par }\pard \ltrpar\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid12405689  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \i\cf1\dbch\af0\ulc1\insrsid8600167\charrsid12405689 \hich\af0\dbch\af0\loch\f0 2.\tab}}\pard \ltrpar
\qj \fi-447\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls42\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid12405689 The Court of Appeal\rquote 
s award of interest of 10% on the outstanding sums under s 34 of the Insurance Law Reform Act 1996.
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs18\cf0\insrsid8600167\charrsid12405689 
\par }\pard \ltrpar\qj \fi-873\li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs24\insrsid8600167\charrsid12405689 2.\tab The Petitioner
\rquote s appeal on both issues is dismissed and the orders of the Court of Appeal (as clarified in its decision of 17 December 2021) are affirmed.
\par }\pard \ltrpar\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs16\insrsid8600167\charrsid12405689 
\par }\pard \ltrpar\qj \li1440\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid8600167\contextualspace {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \i\f0\fs2\insrsid8600167\charrsid12405689 
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The Petitioner must pay costs of $5,000.00 to the Respondent.\tab 
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\par 
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\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 .........................................................}{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 The Honourable Mr. Justice William Calanchini
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\par 
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\par }{\rtlch\fcs1 \af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 
\par 
\par }{\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85..
\par The Honourable Mr. Justice Terence Arnold
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\par 
\par 
\par 
\par 
\par \'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85\'85....
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8600167 {\rtlch\fcs1 \ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ulc0\insrsid8600167\charrsid13965355 The Honourable Mr. Justice Filimone Jitoko
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\ab\af39\afs24 \ltrch\fcs0 \b\f0\fs24\ul\insrsid8600167\charrsid15739454 
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