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South Africa Case Law

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Commercial And Corporate [2024] ZAKZPHC 115

Safire Crop Protection Co-Operative Ltd v Normandien Farms (Pty) Ltd (AR246/2023)

Safire Crop Protection Co-Operative Ltd v Normandien Farms (Pty) Ltd (AR246/2023) [2024] ZAKZPHC 115 (29 November 2024)

Appeal partly succeeded on a procedural quantum error, but failed on misrepresentation and non-disclosure issues in a fire insurance dispute.

  • Insurance Contracts
  • Material Non Disclosure
  • Misrepresentation
  • Quantum Separation
  • Short Term Insurance Act
  • Burden Of Proof
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Administrative Law [2022] ZAGPPHC 746

Fern Finance (Pty) Ltd and Another v Financial Services Tribunal and Others (13261/2021)

Fern Finance (Pty) Ltd and Another v Financial Services Tribunal and Others (13261/2021) [2022] ZAGPPHC 746 (13 October 2022)

The court found that Fern Finance was engaged in issuing guarantee policies as defined under the Short Term Insurance Act and was required to be registered accordingly, regardless of its registration under the National Credit Act. The Tribunal's decision to impose penalties, including licence withdrawal, debarment, and a R3.5 million fine, was rational, reasonable, and lawful. The Tribunal considered all relevant statutory factors, did not act capriciously, and focused appropriately on deterrence. The applicants' arguments regarding procedural unfairness and the calculation of penalties were…

  • Short Term Insurance Act
  • National Credit Act
  • Administrative Penalty
  • Declaratory Relief
  • Licence Withdrawal
  • Financial Services Regulation
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Commercial And Corporate [2021] ZAGPPHC 111

Motshwane v iWyze Valuables Insurance (87941/2016)

Motshwane v iWyze Valuables Insurance (87941/2016) [2021] ZAGPPHC 111 (26 January 2021)

The High Court held that the insurer failed to prove material non-disclosure. A prior refusal to quote based on loss ratio was not shown to be material to the risk.

  • Material Non Disclosure
  • Insurance Contracts
  • Short Term Insurance Act
  • Risk Assessment
  • Policy Avoidance
  • Insurance-contracts
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Administrative Law [2017] ZAGPPHC 926

Becker and Another v Registrar of Financial Services Providers and Others (61274/2015)

Becker and Another v Registrar of Financial Services Providers and Others (61274/2015) [2017] ZAGPPHC 926 (30 November 2017)

The High Court granted condonation for a late PAJA review, but dismissed the challenge to findings that Fusion Guarantees issued unauthorised guarantee policies.

  • Promotion Of Administrative Justice Act
  • Short Term Insurance Act
  • Unauthorised Insurance Business
  • Condonation For Late Review
  • Definition Of Guarantee Policy
  • Administrative-law
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Commercial And Corporate [2017] ZAGPJHC 33

Mashele v Momentum Insurance and Another (15304/2016)

Mashele v Momentum Insurance and Another (15304/2016) [2017] ZAGPJHC 33 (2 March 2017)

The High Court ordered specific performance under a short-term insurance policy, finding the insurer failed to justify repudiation of a motor collision claim.

  • Specific Performance
  • Insurance Contracts
  • Short Term Insurance Act
  • Material Misrepresentation
  • Repudiation Of Claim
  • Assessment Of Risk
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Commercial And Corporate [2015] ZAGPPHC 1088

RMB Structured Insurance Ltd v Danresa Boeedery (Pty) Ltd (72663/2012)

RMB Structured Insurance Ltd v Danresa Boeedery (Pty) Ltd (72663/2012) [2015] ZAGPPHC 1088 (20 August 2015)

The court held that non-disclosure of cancellation of prior cover and financial distress was material, allowing the insurer to avoid the policy and recover an interim payment.

  • Insurance Non Disclosure
  • Materiality Of Risk
  • Short Term Insurance Act
  • Moral Hazard
  • Quantum Postponement
  • Insurance-non-disclosure
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Commercial And Corporate [2015] ZAGPPHC 343

Alfagranite (Pty) Ltd v Alexander Forbes Insurance Company Ltd (38037/2014)

Alfagranite (Pty) Ltd v Alexander Forbes Insurance Company Ltd (38037/2014) [2015] ZAGPPHC 343 (22 May 2015)

High Court dismissed an insurer’s exception to a replication in a short-term insurance dispute about alleged material non-disclosure and estoppel.

  • Material Non Disclosure
  • Insurance Contracts
  • Estoppel
  • Pleading Exception
  • Short Term Insurance Act
  • Material-nondisclosure
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Commercial And Corporate [2014] ZASCA 176

Regent Insurance Company Ltd v King (5/2014)

Regent Insurance Company Ltd v King (5/2014) [2014] ZASCA 176; 2015 (3) SA 85 (SCA); [2015] 2 All SA 137 (SCA) (21 November 2014)

The SCA held that King’s Property materially failed to disclose a tenant’s flammable manufacturing use, allowing Regent to avoid the policy.

  • Material Non Disclosure
  • Insurance Contracts
  • Short Term Insurance Act
  • Estoppel
  • Waiver
  • Assessment Of Risk
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Commercial And Corporate [2010] ZAGPJHC 96

Bruwer v Nova Risk Partners Limited (A5030/2010)

Bruwer v Nova Risk Partners Limited (A5030/2010) [2010] ZAGPJHC 96; 2011 (1) SA 234 (GSJ) (25 October 2010)

High Court appeal in an insurance dispute: the insurer’s repudiation was set aside, the insured’s pending prosecution disclosure was held sufficient, and indemnity was ordered.

  • Insurance Contract Interpretation
  • Material Non Disclosure
  • Short Term Insurance Act
  • Repudiation Of Claim
  • Contractual Good Faith
  • Insurance-contract-interpretation
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Civil Procedure [2010] ZAWCHC 159

Cellular Insurance Managers (Pty) Ltd v Foshini Retail Group (Pty) Ltd (12262/07)

Cellular Insurance Managers (Pty) Ltd v Foshini Retail Group (Pty) Ltd (12262/07) [2010] ZAWCHC 159 (14 June 2010)

The High Court granted leave to appeal to the Supreme Court of Appeal on the contractual claim, but not on the statutory defence under the Short Term Insurance Act.

  • Leave To Appeal
  • Contractual Claim
  • Short Term Insurance Act
  • Prospects Of Success
  • Leave-to-appeal
  • Contract-law
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South Africa decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.