Doig v Tower Insurance Ltd - [2018] 2 NZLR 677

Insurance — Christchurch earthquake — Assignment of full replacement insurance claim — Estoppel — Principle of personal indemnity — Sale of earthquake damaged property — Vendor of property assigning extant insurance claim to purchaser — Whether vendor able to assign replacement value of policy or only indemnity value — Representations made by insurer to purchasers prior to purchase of house — Expectation — Detriment — Unconscionability — Interest on unpaid indemnity value sum.

Equity — Estoppel — Insurance claim — Representations by insurer to assignee of insurance policy — Whether representations creating expectation — Whether detrimental consequences for assignee.