SQ v U Ltd [2025] NZDT 185 (29 April 2025) [pdf, 244 KB]
...apply. 12. SQ also says U Ltd never asked him to add names. However, there is no obligation on U Ltd to ask him to add names – the obligation rests on the insured, namely SQ to tell U Ltd to add names. Other law 13. The Insurance Law Reform Act 1977 allows for exclusions under a contract of insurance to not apply if they are not relevant to the loss. However, there is a difference between an exclusion and there being no policy cover in the first place. In SQ’s case there wa...