Causation: the effect of exclusions

New Zealand Fire Service Commission v Legg [2016] NZHC 1492, a decision of Nation J in the High Court of New Zealand, raises several points of interest on the questions of burden of proof, causation and loss caused by irrelevant terms. The latter point is of particular interest in England given the recent enactment of section 11 of the Insurance Act 2015.

Legg : the facts