NSW Caselaw
Reported Decision : (2004) 13 ANZ Insurance Cases 61-586
New South Wales Court of Appeal
CITATION : QBE MERCANTILE MUTUAL LTD v HAMMER WASTE PTY LTD & ANOR [2003] NSWCA 356 HEARING DATE(S) : 19 November 2003 JUDGMENT DATE : 9 December 2003
JUDGMENT OF : Sheller JA at 1; Santow JA at 64; McColl JA at 65 DECISION : Appeal is dismissed with costs.
CATCHWORDS : INSURANCE - construction - whether liability excluded under true construction of insurance policy - whether liability excluded by implied term - DUTY OF DISCLOSURE - Insurance Contracts Act 1984, s21 - knowledge of matter relevant to risk - alteration of risk LEGISLATION CITED : Insurance Contracts Act 1984 Baxendale v Harvey (1859) 4 H & N 335; 157 ER 913 Law Guarantee Trust and Accident Society Ltd v Munich Reinsurance Co [1912] 1 Ch 138 CASES CITED : Permanent Trustee Australia Ltd v FAI Insurance Company Ltd (In liquidation) (2003) 77 ALJR 1070 Shaw v Royce Ltd [1911] 1 Ch 138 Southern Cross Assurance Co Ltd v Australian Provincial Assurance Association Ltd (1930) 39 SR (NSW) 174 QBE Mercantile Mutual Ltd - Appellant PARTIES : Hammer Waste Pty Ltd - First Respondent OAMPS Insurance Brokers Ltd - Second Respondent FILE NUMBER(S) : CA 41080/02 RBS Macfarlan QC/TD Castle - Appellant COUNSEL : IM Wales SC/A Fernon - First Respondent MD Davies SC/MS White - Second Respondent PricewaterhouseCoopers Legal - Appellant SOLICITORS : Ron Kramer Associates - First Respondent Phillips Fox - Second Respondent
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