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Matlala v Mutual & Federal Insurance Company Ltd (31369/2005) [2007] ZAGPHC 178 (5 September 2007)
The court held that non-payment of the May 2005 premium ended cover under the policy, so the plaintiff had no insurance when the collision occurred.
A J Shepherd (Edms) Bpk v Santam Versekeringsmaatskappy (126/84) [1984] ZASCA 128 (15 November 1984)
The court held that the insurance policy in question was structured to provide coverage only for discrete periods, contingent upon the payment of premiums. The appellant failed to ensure payment of the premium for the period after 12 March 1981, resulting in the automatic lapse of the policy as per its terms. The subsequent endorsement issued by the respondent's clerk did not revive the lapsed policy nor create a new contract, as the clerk lacked the requisite authority. Furthermore, the respondent's conduct did not amount to a representation capable of founding an estoppel, since the appella…
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