NSW Caselaw
16 ANZ Insurance Cases 90-143 Reported Decision : [2010] ALMD 6441 [2010] ALMD 6756 239 FLR 159
New South Wales Supreme Court
CITATION : Manglicmot v Commonwealth Bank Officers Superannuation Corporation [2010] NSWSC 363
HEARING DATE(S) : 24-26 March 2010
JUDGMENT DATE : 28 April 2010
JURISDICTION : Equity Division
JUDGMENT OF : Rein J
DECISION : 1. Judgment for the defendant. 2. Plaintiff to pay the costs of the defendant.
CATCHWORDS : EQUITY - trusts and trustees - powers, duties, rights and liabilities of trustees - general matters - rules governing exercise of discretion - where trustee entered into new insurance policy - where trustee gave reasons for decision - whether Court can review trustee's decision - whether trustee breached any duty owed to the insured under the general law - whether Superannuation Industry (Supervision) Act 1993 (Cth) alters the general law and whether breach by trustee - INSURANCE - accident, sickness and income protection insurance - total and permanent disablement or total incapacity - discussion of matters going to the question of whether there was any difference in wording between the total and permanent disablement clause in the previous insurance policy and in the new policy - causation: whether the insured suffered any loss due to any difference in wording
LEGISLATION CITED : Superannuation Industry (Supervision) Act 1993 (Cth)
CATEGORY : Principal judgment
Alcoa of Australia Retirement Plan Pty Ltd v Thompson (2002) 116 FCR 139 Asea Brown Boveri Superannuation Fund No 1 Pty Ltd v Asea Brown Boveri Pty Ltd [1999] 1 VR 144 Attorney-General for the Commonwealth v Breckler (1999) 197 CLR 87 Austin v Austin (1906) 3 CLR 516 Baker v Local Government Superannuation Scheme Pty Ltd [2007] NSWSC 1173 Beverley v Tyndall Life Insurance Co Ltd (1999) WAR 327 Camilleri v Australian Casualty & Life [2006] NSWDC 77 Chammas v Harwood Nominees Pty Ltd [No 1] (1993) ANZ Insurance Cases 61-175 Clerical Administrative and Related Employees Superannuation Pty Ltd v Bishop (1997) 76 IR 139 Cowan v Scargill [1984] 2 All ER 750 Dundee General Hospitals Board of Management v Walker [1952] 1 All ER 896 Edge v Pensioners Ombudsman [1999] 4 All ER 546 Elder's Trustee and Executor Company Limited v Higgins (1962) 113 CLR 426 Esso Australia Ltd v Australian Petroleum Agents' & Distributors' Association [1999] 3 VR 642 Halloran v Harwood Nominees Pty Ltd [2007] NSWSC 913 Hartigan Nominees Pty Ltd v Rydge (1992) 29 NSWLR 405 Hay v Total Risk Management Pty Ltd [2004] NSWSC 94 In re Beloved Wilkes's Charity (1851) 3 Mac & G 440, 42 ER 330 In re Chapman [1896] 2 Ch 763 CASES CITED : In re Coleman's Depositories Limited and Life and Health Assurance Association [1907] 2 KB 798 Invensys Australia Superannuation Fund Pty Ltd v Austrac Investments Ltd (2006) 15 VR 87 Karger v Paul [1984] VR 161 Kowalski v MMAL Staff Superannuation Fund Pty Ltd (No 2) [2008] FCA 691 Lawrence v The Accidental Insurance Company (Limited) (1881) 7 QBD 216 Meat Industry Employees Superannuation Fund v Petrucelli (unreported, Supreme Court of Victoria, Nathan J, 29 February 1992) Nile v Club Plus Superannuation Pty Ltd [2005] NSWSC 55 Rapa v Patience (unreported, Supreme Court of New South Wales, 4 April 1985) Re Application of HIH Superannuation Ltd [2003] NSWSC 65 Re Knollys' Trusts [1912] 2 Ch 357 Rydge v Hartigan Nominees Pty Ltd (unreported, Supreme Court of New South Wales, Young J, 12 September 1990) Sayseng v Kellogg Superannuation Pty Ltd [2003] NSWSC 945 Speight v Gaunt (1883) 9 App Cas 1 Szuster v Hest Aust. Ltd [2000] SADC 2 Telstra Super Pty Ltd v Finch [2009] VSCA 318 Telstra Super Pty Ltd v Flegeltaub (2000) 2 VR 276 The King v The Archbishop of Canterbury (1812) 15 East 117, 104 ER 789 White v Board of Trustees [1997] 2 Qd R 659 Wilkinson v Clerical Administrative and Related Employees Superannuation Pty Ltd (1998) 79 FCR 469 Wyllie v National Mutual Life Association of Australasia Ltd (1997) 217 ALR 324
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