Federal Court of Australia
Federal Court of Australia
MOS Beverages Pty Ltd v Insurance Australia Ltd trading as CGU Insurance [2020] FCA 1716 File number: NSD 2022 of 2019
Judgment of: ALLSOP CJ
Date of judgment: 1 December 2020
Catchwords: INSURANCE – construction of industrial special risks policy – where applicant owned goods insured under policy – whether applicant can claim as a third party beneficiary pursuant to s 48(1) of the Insurance Contracts Act 1984 (Cth) – whether applicant specified or referred to in the contract – interpretation of "interests of other parties" clause – whether applicant noted in the records of the insured
Legislation: Evidence Act 1995 (Cth) s 191 Insurance Contracts Act 1984 (Cth) ss 11, 48(1)
Cases cited: ABN AMRO Bank NV v Bathurst Regional Council [2014] FCAFC 65; 224 FCR 1 Australian Casualty Co Limited v Federico [1986] HCA 32; 160 CLR 513 Barroora Pty Ltd v Provincial Insurance Ltd (1992) 26 NSWLR 170; 7 ANZ Insurance Cases ¶61-103 Bass v Permanent Trustee Company Limited [1999] HCA 9; 198 CLR 334 Bird v St Paul Fire and Marine Insurance Company 224 NY 47 (1918) Commonwealth Bank of Australia v Baltica General Insurance Co Ltd (1992) 28 NSWLR 579; 7 ANZ Insurance Cases ¶61-133 Cooperative Bulk Handling Limited v Jennings Industries Limited [1995] WASC 476; 8 ANZ Insurance Cases ¶61-286 Darlington Commodities Ltd v Gibbs (1982) 2 ANZ Insurance Cases ¶60-486 Dee-Tech Pty Ltd v Neddam Holdings Pty Ltd [2012] NSWSC 251 Ecosse Property Holdings Pty Ltd v Gee Dee Nominees Pty Ltd [2017] HCA 12; 261 CLR 544 Electricity Generation Corporation v Woodside Energy Ltd [2014] HCA 7; 251 CLR 640 Glynn v Margetson & Co [1893] AC 351 Hamilton v Mendes (1761) 2 Burr 1198; 97 ER 787 Hepburn v A Tomlinson (Hauliers) Ltd [1966] AC 451; 1 All ER 418 Homburg Houtimport BV v Agrosin Private Ltd (The 'Starsin') [2004] 1 AC 715 Johnson v American Home Assurance Company [1998] HCA 14; 192 CLR 266 Legal & General Insurance Australia Ltd v Eather (1986) 6 NSWLR 390 Maurice v Goldsbrough Mort & Co Ltd [1939] AC 452; 3 All ER 63 Maxitherm Boilers Pty Ltd v Pacific Dunlop Ltd [1998] 4 VR 559; 10 ANZ Insurance Cases ¶61-393 McCann v Switzerland Insurance Australia Limited [2000] HCA 65; 203 CLR 579 Mount Bruce Mining Pty Limited v Wright Prospecting Pty Limited [2015] HCA 37; 256 CLR 104 Pacific Dunlop Limited v Maxitherm Boilers Proprietary Limited [1996] VicSC 387; (1997) 9 ANZ Insurance Cases ¶61-357 Simic v New South Wales Land and Housing Corporation [2016] HCA 47; 260 CLR 85 Todd v Alterra at Lloyds Ltd (on behalf of the underwriting members of Syndicate 1400) [2016] FCAFC 15; 239 FCR 12 Trident General Insurance Co Limited v McNiece Bros Proprietary Limited [1988] HCA 44; 165 CLR 107 VL Credits Pty Ltd v Switzerland General Insurance Co [1990] VR 938; 5 ANZ Insurance Cases ¶60-936 Waters v Monarch Fire and Life Assurance Co (1856) 119 ER 705; 5 El & Bl 870 Wilkie v Gordian Runoff Limited [2005] HCA 17; 221 CLR 522
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