Elilade Pty Ltd v Nonpareil Pty Ltd [2002] FCA 909

FEDERAL COURT OF AUSTRALIA

Elilade Pty Ltd v Nonpareil Pty Ltd

[2002] FCA 909 INSURANCE – insurance policy had "flood" exemption – loss caused by water damage being an insured event – loss subsequently caused by flood being an exempted event – extent to which damage caused by insured event recoverable – proximate cause of damage. INSURANCE – insurance broker – whether insurance broker owed insured duty to advise insured of availability of insurance including flood cover – whether insurance broker owed insured duty to inform insured of flood exemption in policy – whether duty discharged by correspondence requesting insured to check schedule of insurances which clearly identified flood exemption.

Insurance Contracts Act 1984 (Cth), s 57,s 57(2), s 57(3) Consumer Affairs and Fair Trading Act (NT), s 42, s 44(e) Trade Practices Act 1974 (Cth), s 52(1) Insurance (Agents and Brokers) Act 1984 (Cth), s 13(1)(b) Insurance Contract Regulations 1985 (Cth), reg 32 Financial Laws Amendment Act 1997 (Cth) Federal Court of Australia Act 1976 Pye v Metropolitan Coal Co. Ltd (1934) 50 CLR 614 Wayne Tank & Pump Co. Ltd v Employers Liability Assurance Corp. Ltd [1974] Q.B. 57 Gold Coast Bakeries (Qld) Pty Ltd v Heat & Control Pty Ltd [1992] 1 Qd R 162 City Centre Cold Store Pty Ltd v Preservatrice Skandia Insurance Ltd (1985) NSWLR 739 Leyland Shipping Co. Ltd v Norwich Union Fire Insurance Society Ltd [1918] AC 350 National & General Insurance Co. Ltd v Chick [1984] 2 NSWLR 86 Moore v Evans [1918] AC 185 Countrywide Finance Ltd v State Insurance Ltd [1993] NZLR 745 Cory v Burr (1883) 8 App Cas 393 Thompson v Mastertouch TV Service Pty Ltd (No.1) (1997) 29 FLR 270 James v ANZ Banking Group Ltd (1986) 64 ALR 347 SWF Hoists and Industrial Equipment Pty Ltd v State Government Insurance Commission (1990) 12 ATPR 41-45 Caparo Industries plc v Dickman [1990] 2 AC 605 Lewis v Tressider Andrews Associates Pty Ltd [1987] 2 Qd R 533 Mitor Investments Pty Ltd v General Accident Fire and Life Insurance Corp. Ltd [1984] WAR 365 Provincial Insurance Australia Pty Ltd v Consolidated Wood Products Pty Ltd (1991) 25 NSWLR 541 Dickson v Devitt [1917] 86 LJKB 315 Astley v Austrust Ltd (1999) 197 CLR 1 Fine's Flowers Ltd v General Accident Assurance Co. of Canada (1977) 81 DLR 3d 139 Rocco Pezzano Pty Ltd v Unity Insurance Brokers Pty Ltd (1995) 8 ANZ Ins Cas 61-288 Unity Insurance Brokers Pty Ltd v Rocco Pezzano Pty Ltd (1998) 192 CLR 603 Fire & All Risks Insurance v Caratti (Bulfinch) Pty Ltd [1969] WAR 49 Craine v Colonial Mutual Insurance Ltd (1920) 28 CLR 305 Lake v Harford Fire Insurance Co. Ltd [1996] WAR 161 Re Mining Technologies Australia Pty Ltd [1999] 1 Qd R 60 Settlement Wine Co. Pty Ltd v National & General Insurance Co. Ltd (1994) 62 SASR 40 ELILADE PTY LTD (ACN 073 980 800) v NONPAREIL PTY LTD (ACN 009 611 358) AND CIC INSURANCE LIMITED (ACN 004 078 880) D.4 of 2000 MANSFIELD J 31 JULY 2002 ADELAIDE (HEARD IN DARWIN)