Camilleri v Australian Casualty & Life [2006] NSWDC 77

New South Wales District Court

CITATION: Camilleri v Australian Casualty & Life [2006] NSWDC 77

HEARING DATE(S): 17-19 July, 18 August 2006

JUDGMENT DATE: 27 October 2006

JUDGMENT OF: Rein SC DCJ

DECISION: See [115].

CATCHWORDS: INSURANCE - Income Protection Policy - total disability - whether requirements met - whether insurer entitled to deduct a portion of workers compensation settlement received by insured - whether insurer repudiated contract - whether insured elected not to terminate for repudiation or breach

LEGISLATION CITED: Workers Compensation Act 1987, s 66

Alessi v National Mutual Life Association of Australasia Ltd (1982) 2 ANZ Ins Cas 60-481 Allied Pastoral Holdings Pty Ltd v FCT [1983] 1 NSWLR 1 Allsop v Federal Commissioner of Taxation (1965) 113 CLR 341 ASIC v Rich (2005) 218 ALR 764; [2005] NSWCA 152 Associated Newspapers Ltd v Bancks (1951) 83 CLR 322 Broadlands Properties Limited v Guardian Assurance Company Limited (1984) 3 ANZ Ins Cas 60-552 Browne v Dunn (1893) 6 R 67 Chammas v Harwood Nominees Pty Ltd (1993) 7 ANZ Ins Cas 61-175 CIC Insurance Ltd v Bankstown Football Club Ltd (unreported, NSWSC, Cole J, 16/09/93) Commercial Union Insurance Co Ltd v Willetts Radio & TV Ltd (1985) 3 ANZ Ins Cas 60-677 Constantinides v Du Pont Superannuation Fund Pty Ltd (2002) 68 ALD 664; [2002] FCA 534 Cullinane v Mercer Benefit Nominees Ltd [2006] FCAFC 82 Dean v J Thomas & Son [1981] Qd R 62; (1980) 1 ANZ Ins Cas 60-402 Distillers Co (Bio-Chemicals) (Aust) Pty Ltd v Ajax Insurance Co Ltd (1974) 130 CLR 1 DTR Nominees Pty Ltd v Mona Homes Pty Ltd (1978) 138 CLR 423 Edwards v Insurance Office of Australia Ltd (1933) 34 SR (NSW) 88 Green v AMP Life Ltd (2005) 13 ANZ Ins Cas 90-124; [2005] NSWSC 370 H v First State [2003] NSWIR Comm 293 Harrison v Zurich Australian Insurance Ltd (BC9603264, NSWSC, Rolfe J, 30/7/1996) Immer (No 145) Pty Ltd v Uniting Church in Australia Property Trust (NSW) (1993) 182 CLR 26; [1993] HCA 27 Ivkovic v Australian Casualty & Life Ltd (1994) 10 SR (WA) 325 Johnson v Australian Casualty Co Ltd (1992) 7 ANZ Ins Cas 61-109 Judd v Suncorp Insurance & Finance (1987) 5 ANZ Ins Cas 60–832 CASES CITED: Kennedy v Queensland Insurance Co (1924) 24 SR (NSW) 542 Laurinda Pty Ltd v Capalaba Park Shopping Centre Pty Ltd (1989) 166 CLR 623 Luna Park (NSW) Ltd v Tramways Advertising Pty Ltd (1938) 61 CLR 286 Makita (Australia) Pty Ltd v Sprowles (2001) 52 NSWLR 705; [2001] NSWCA 305 McCann v Switzerland Insurance Australia Ltd (2000) 203 CLR 579; [2000] HCA 65 McLaurin v Federal Commissioner of Taxation (1961) 104 CLR 381 Porter v OAMPS Ltd (2004) 207 ALR 635; [2004] FMCA 272 Progressive Mailing House Pty Ltd v Tabali Pty Ltd (1985) 157 CLR 17 Riley v National Mutual Life Association of Australasia Ltd (1986) 4 ANZ Ins Cas 60-684 Roadshow Entertainment Pty Ltd v ACN 053 006 269 Pty Limited (receiver & manager appointed) (1997) 42 NSWLR 462 Ross T Smyth & Co Ltd v TD Bailey Son & Co [1940] 3 All ER 60 Russell Young Abalone Pty Ltd v Traders Prudent Insurance Co Ltd (1993) 7 ANZ Ins Cas 61–182 Sargent v ASL Developments Ltd (1974) 131 CLR 634 Seymour v Australian Broadcasting Commission (1977) 19 NSWLR 219 Shevill v Builders Licensing Board (1982) 149 CLR 620 Southern Cross Assurance Co Ltd v Australian Provincial Assurance Association Ltd (1939) 39 SR (NSW) 174 Szuster v Hest Australia Ltd (2000) 207 LSJS 35; [2000] SADC 2 Taylor v J Thomas & Son (1983) 2 ANZ Ins Cas 60-524 The Glendarroch [1894] P 226 Till v National Mutual Life Association of Australasia Ltd (2005) 13 ANZ Ins Cas 61-640; [2004] ACTCA 26 Tramways Advertising Pty Ltd v Luna Park (NSW) Ltd (1938) 38 SR (NSW) 632 Tropicus Orchids Flowers and Foliage Pty Ltd v Territory Insurance Office (1998) 148 FLR 441; 10 ANZ Ins Cas 61-412 Walton v Colonial Mutual Life Assurance Society Ltd (2004) 13 ANZ Ins Cas 61-620; [2004] NSWSC 616 Wiley v Board of Trustees, State Public Sector Superannuation Scheme (unreported, SC(Qld), White J, 3/4/1997, BC9701020) Wilkie v Gordian Runoff Ltd (2005) 221 CLR 522; [2005] HCA 17