Hutton v Royal Exchange Assurance Corporation - [1971] NZLR 1045

Insurance — Marine Insurance — Construction of policy — Perils insured against — Voyage policy — Institute time clauses — Unseaworthiness — Launch destroyed by fire — Lack of fire extinguishers and dinghy not unseaworthiness — Marine Insurance Act 1908, s 40(1).

Estoppel — Estoppel in pais — By statement — Verbal statements — Oral representations by insurance agent as to extent of cover inconsistent with cruising limits — Statement acted upon by plaintiff to his detriment — Detriment negative action — Defendant estopped by agent's statement.