17 May 2017
溫泓祥 對 保誠保險有限公司
- Citation
- 溫泓祥 對 保誠保險有限公司
- Court
- Court of First Instance
- Case number
- HCA991/2016
The plaintiff lacks standing because the s.2 definition of 'policyholder' in the Insurance Companies Ordinance is for regulatory purposes and does not displace the common law privity of contract; alternatively, even if he had standing the claim fails because the policy effective date is 6 May 2011 (annual statement was clerical error) and the policy was reinstated on 11 Aug 2011 so clause 3.6 applies to limit recovery for suicide within one year to return of premiums and a small gratuity; therefore the amended statement discloses no reasonable cause, is an abuse and must be struck out; the ap…