NSW Caselaw
District Court New South Wales
Medium Neutral Citation: Haddad v Allianz Australia Insurance Ltd [2014] NSWDC 132 Decision date: 13 May 2014 Before: Cogswell SC DCJ Decision: Verdict and judgment in favour of the plaintiff. Catchwords: Civil Law - Contract - home insurance policy - insurance company denied claim - whether insurance company liable - extensive pleadings - insurance company unilaterally cancelled contract - breach s 63(1) of the Insurance Contracts Act and the insurance policy - relief sought (damages) not barred by s 15 of the Insurance Contracts Act - no evidence of unconscionable conduct - representations - objective test - policy conditions not misleading and deceptive - continued dealing with plaintiff misleading - breached s 18 of the Australian Consumer Law - estoppel - no basis for conventional or promissory estoppel - question of quantum separated. Legislation Cited: Competition and Consumer Act 2010 (Cth), sch 2, ss 20, 21, 22. Credit Act 1984 (Vic). Insurance Contracts Act 1984 (NSW) ss 15, 58, 59, 60, 63. Cases Cited: Australian Competition and Consumer Commission v Allphones Retail Pty Ltd (No 2) [2009] FCA 17; 253 ALR 324. Australian Competition and Consumer Commission v CG Berbatis Holdings Pty Ltd [2003] HCA 18; 214 CLR 51; 77 ALJR 926. Australian Competition and Consumer Commission v Dukemaster Pty Ltd [2009] FCA 682. Blomley v Ryan [1956] HCA 81; 99 CLR 362. CIC Insurance Ltd v Bankstown Football Club Ltd [1997] HCA 2; 187 CLR 384; 71 ALJR 312. Davis v CGU Insurance Ltd [2009] SASC 220; 104 SASR 422. Hurley v McDonald's Australia Ltd [1999] FCA 1728. Parkdale Custom Built Furniture Pty Ltd v Puxu Pty Ltd [1982] HCA 44; 141 CLR 191; 56 ALRJ 715. Swann Insurance (Aust) Pty Ltd v Fraillon [1992] 1 VR 401; 6 ANZ Ins Cas 61-055. Waterman v Gerling Australia Insurance Co Pty Ltd [2005] NSWSC 1066; 65 NSWLR 300. Texts Cited: Macquarie Dictionary (6th ed 2013) Macquarie Dictionary Publishers Pty Ltd. Category: Principal judgment Parties: Sally Haddad (plaintiff) Allianz Australia Insurance Limited (defendant) Representation: Counsel: S Haddad (plaintiff) DP O'Connor (defendant) File Number(s): DC 2012/00093399
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