Smith v National Mutual Fire Insurance Co Ltd - [1974] 1 NZLR 278

Insurance — Fire — Cover note issued subject to usual conditions of company's fire policy for 3 months certain "unless Notice of Cancellation be given in the meantime" with water damage endorsement — Water damage ensued — Company unilaterally cancelling policy forthwith not in accordance with usual cancellation condition in its fire policy wherein cancellation took effect 7 days after notice — Further water damage within 7 days — Company liable.