Haddad v Allianz Australia Insurance Ltd (No 2) [2014] NSWDC 308

District Court New South Wales

Medium Neutral Citation: Haddad v Allianz Australia Insurance Ltd (No 2) [2014] NSWDC 308 Decision date: 21 August 2014 Jurisdiction: Civil Before: Cogswell SC DCJ Decision: Findings made and conclusions reached on submissions from counsel on issues relevant to whether the order made in Haddad v Allianz Australia Insurance Ltd [2014] NSWDC 132 should sound in damages. Catchwords: CIVIL LAW - contract - home insurance policy - repudiation of contract by insurer - repudiation not communicated to plaintiff - unaccepted repudiation - misleading conduct - supplementary questions - applicability of statutory consumer law - whether statutory apportionment available - remoteness of damages - plaintiff's reliance on conduct of the defendant - operation of the Insurance Contracts Act Legislation Cited: Competition and Consumer Act 2010 (Cth), Schedule 2, ss 18, 20, 21, 22, 236; s 137B Insurance Contracts Act 1984 (NSW), ss 7, 58 Trade Practices Act 1974 (Cth), ss 52, 82, 87 Cases Cited: Como Investments Pty Ltd (In Liq) v Yenald Nominees Pty Ltd (1997) 19 ATPR 41-550 Gould v Vaggelas (1985) 157 CLR 215 Haddad v Allianz Australia Insurance Ltd [2014] NSWDC 132 Henville v Walker [2001] HCA 52; 206 CLR 509; 75ALJR 1410 Howard v Pickford Tool Co Ltd [1951] 1 KB 417 Jones v Acfold Investments Pty Ltd (1985) 6 FCR 512; 59 ALR 613 Marks v GIO Australia Holdings Ltd [1998] HCA 69; 196 CLR 494; 73 ALJR 12 Rigby v Ferodo Ltd [1988] ICR 29 Unity Insurance Brokers Pty Ltd v Rocco Pezzano Pty Ltd [1998] HCA 38; 192 CLR 603 Visscher v Giudice [2009] HCA 34; 239 CLR 361; 83 ALJR 1068 Texts Cited: Miller's Australian Competition and Consumer Law Annotated (31st ed 2011, Thomson Reuters) Category: Procedural and other rulings Parties: Sally Haddad (plaintiff) Allianz Australia Insurance Limited (defendant) Representation: Counsel: S Haddad (plaintiff) D P O'Connor (defendant) File Number(s): 2012/00093399