WOOD v. GENERAL ACCIDENT FIRE AND LIFE ASSURANCE CORPORATION, LTD.

(1948) 82 Ll.L.Rep. 77

KING'S BENCH DIVISION.

Before Mr. Justice Morris.

Motor insurance-"Social, domestic and pleasure purposes" - Meaning - Personal injuries sustained by policy-holder (garage proprietor) in car accident - Car being driven by W. (employee of policy-holder)-Judgment recovered by policy-holder against W. -Claim by W. against insurance company for indemnity under Motor Dealers' Comprehensive Policy (Road Risks Only) issued by them to policy-holder and containing an "Extension of use" clause providing: The [insurance company] will in like manner indemnify the policy-holder or any member, director or employee of the policy-holder who on the order or with the permission of the policy-holder is using any vehicle described in the endorsement hereon for social, domestic and pleasure purposes.

Arbitration - Findings of arbitrator that policy-holder was travelling as a passenger, and that he was making the journey to the premises of a firm with whom he intended to negotiate for a contract in connection with his business; that it was more convenient for the policy-holder to travel in his own car than in a hired vehicle; and that it was more comfortable, pleasurable and restful so to travel-Award that car was not being used for "social, domestic and pleasure purposes," and that W. was not entitled to indemnity - Case stated - Test to be applied in determining purpose of use - Multiplicity of purposes.