Federal Court of Australia
FEDERAL COURT OF AUSTRALIA
Graham v Colonial Mutual Life Assurance Society Limited (No 2) [2014] FCA 717 Citation: Graham v Colonial Mutual Life Assurance Society Limited (No 2) [2014] FCA 717
Parties: CHERYL ANNE GRAHAM v COLONIAL MUTUAL LIFE ASSURANCE SOCIETY LIMITED (ACN 004 021 809)
File number: WAD 520 of 2011
Judge: MCKERRACHER J
Date of judgment: 4 July 2014
Catchwords: INSURANCE – life insurance – insurer avoided policy pursuant to s 29(2) of the Insurance Contracts Act 1984 (Cth) on the basis that the insured made fraudulent non-disclosures – insured made a fraudulent non-disclosure within the meaning of s 29(2) – insured would have entered into the contract even if full disclosure had occurred – insurer not entitled to avoid the policy due to the operation of s 29(1)(c)
Legislation: Insurance Contracts Act 1984 (Cth) ss 21, 25, 27, 28, 29(1)(c), 29(2), 31
Cases cited: Advance (NSW) Insurance Agencies Pty Ltd v Matthews (1989) 166 CLR 606 Australian Casualty & Life Ltd v Hall (1999) 151 FLR 360 CIC Insurance Ltd v Midaz Pty Ltd [1998] QCA 21 Briginshaw v Briginshaw (1938) 60 CLR 336 Burns v MMI-CMI Insurance Ltd (1994) 8 ANZ Ins Cas 61-228 Commercial Union Co of Australia Ltd v Beard (1999) 47 NSWLR 735 McCabe v Royal & Sun Alliance Life Insurance Australia Ltd [2003] WASCA 162 Permanent Trustee Australia Ltd v FAI General Insurance Co Ltd (1998) 153 ALR 529 Permanent Trustee Australia Co Ltd v FAI General Insurance Co Ltd (2001) 50 NSWLR 679 Permanent Trustee Australia Ltd v FAI General Insurance Company Ltd (in liq) (2003) 214 CLR 514 Plasteel Windows Australia Pty Ltd v CE Heath Underwriting Agencies Pty Ltd (1989) 5 ANZ Ins Cas 60-926 Troja v Troja (1994) 33 NSWLR 269 Tyndall Life Insurance Co Ltd v Chisholm (2000) 11 ANZ Ins Cas 90-104 Von Braun v Australian Associated Motor Insurers Ltd (1998) 135 ACTR 1
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