Ko te tangata inihua te kawenga: Kua whakakorehia e te Kōti Matua te herenga kua whakaritea mō ngā kaiinihua

I roto i te keehi IAG New Zealand Limited v Degen, [1] i arotake anō te Kōti Matua (te Kōti) mēnā he herenga tā IAG ki te aromatawai tika i tētahi kereme mō tētahi whenua i pakaru i ngā rū whenua o Canterbury. Mā te tautuhi i ngā herenga e tika ana ka whakatau i te nui o te moni i utua e te IAG me te wā me utu ai rātou. I whakaarohia i mua te take e te Canterbury Earthquakes Insurance Tribunal (CEIT) ā, i kitea e te Kōti he mea nui ki te umanga inihua.
Kaituhi(ngā): Alexander Lyall

Papamuri

I inihuatia te whare o Mr Degan (te tangata i inihuatia ) i raro i tētahi kaupapa here a NZI, he wāhanga o IAG. I pakaru te whare i ngā rū whenua o Ōtautahi.

Kāore i taea e te tangata inihua me te IAG te whakaae mēnā i tino kino te pakaru o te whare, ā, me hanga anō, me whakatika rānei – ā, mēnā ka taea te whakatika, kia pēhea te nui?

Te kaupapa here

I roto i te kaupapa here inihua, mehemea ka taea te whakatika i ngā kino, me utu e IAG te utu tika mō te whakatika. I taea e IAG te whiriwhiri mēnā ka mahia e ia ngā mahi, ka utua rānei ngā utu ki te tangata inihua.

Nā te tangata inihua te whiringa mō te whakahaere i ngā mahi whakatikatika. Mēnā ka whiriwhiria e te tangata inihua kia kaua e whakatikatika, ko te uara o te whare anake me utu e IAG me ngā utu whaitake e pā ana, tae atu ki te whakahoro mēnā e tika ana.

E kitea ana e te CEIT he kawenga tā te IAG ki te aromatawai tika i ngā kino me te aromatawai tika i te kereme.

I muri i te korenga o te whakaaro pai, ka haere ngā rōpū ki te CEIT, te whakahaere kua tohua mō ngā tautohe inihua i puta mai i ngā rū whenua o Canterbury. I whakaputa a CEIT i ētahi kitenga hei tautoko, hei whakahē hoki i ngā rōpū e rua. I kitea:

  • I taea te whakatika i te whare.
  • Me utu e te IAG te utu whakahokinga mai o te whare i te moni kotahi ina uru te tangata inihua ki tētahi kirimana hanga.
  • Me utu e te IAG te utu mō ētahi pūrongo ngaio i whiwhihia e te tangata inihua mō ngā take o te kereme ki a IAG. I ahu mai tēnei i te takahi a te IAG i te herenga ki te aromatawai tika i te kino me te whānuitanga tika i te rautaki whakatika e tika ana.

Ngā take nui mō te umanga inihua

I raro i te wāhanga 54(1) o te Canterbury Earthquakes Insurance Tribunal Act 2019, ka taea e te rōpū ki tētahi kereme te piira mō tētahi take ture, take rānei e puta mai ana i te whakataunga a te CEIT. Nā reira, i piira a IAG i te whakataunga ki te Kōti Matua.

I roto i ngā whakahaerenga, i kī te IAG kia whakatūria e te Kōti tētahi tohunga tuatoru mō te ture inihua hei āwhina i te whakamārama i ngā take. Ko te whakaaro, i whakakahoretia i te tuatahi i roto i te tono whakaaetanga, i tautokona e te Kōti i runga i te whakaaro he mea nui ngā take i whakaarahia ki te umanga inihua.   

Āhea te wā me utu ai te kaiinihua?

I te tuatahi i tautohe a IAG he hē te whakatau a te CEIT me utu te tangata i muri i tana whakaurunga ki te kirimana hanga. I whakaarohia hoki e te Kōti te āhua tūturu o te herenga, e ai ki te māramatanga tae noa ki te whakataunga a te CEIT. I roto i te mākete pūtea kāore i te tino mārama, he onge te kirimana hanga mō te whakatikatika mō te moni kua whakaritea.

Hei tāpiri atu ki tēnā, kua kitea te whai huatanga o te tikanga paerewa o te utu a ngā kaiinihua i ngā utu hanga whare i runga i ngā nama ina tukuna mai. Ahakoa he pono ka pā pea tēnei ki te tika o te tangata kua inihuatia ki te utu mō te uara whakakapinga, ko ngā hua ture me te ingoa pai o te whakatau a te kaiinihua kia kaua e utu i ngā utu ka ārai i tēnei āhuatanga kei puta.

Ngā tumanakohanga i ahu mai i te ngākau pono: he kawenga ki te aromatawai tika i tētahi kereme?

I roto i te whakataunga a te CEIT, i kitea he kawenga tā te IAG ki te aromatawai tika i te kereme a te tangata inihua. Nā reira, ko te tikanga he herenga tā te IAG ki te aromatawai tika i te kino i pā ki te whare o te tangata inihua, me te whānuitanga o te nui me whakatika. I tautohe te IAG he hē tēnei, ā, kāore he kawenga pērā. I aromatawai te Kōti i ngā mana whakahaere i whakawhirinakihia e te CEIT, te Waehere Inihua Tika me Inihuarangatia a Young v Tower.[2] I whakamahia e te CEIT Rangatahi kia kitea me utu e te IAG ngā utu ngaio i puta i te tangata inihua hei aromatawai i te kino. Mena he kawenga ki te aromatawai tika i te kino, me utu e te IAG ki te tangata inihua ngā utu i puta i te mahi a te tangata inihua. Heoi, ki te tirohanga a te Kōti, ko te kawenga anake Rangatahi ka taea te kī he herenga pono ki te tukatuka i ngā kereme tika i roto i tētahi wā tika. Ina koa, ko tēnei herenga e tono ana kia:
  • whakaatu i ngā mōhiohio nui katoa;
  • mahi tika; ā,
  • tukatuka i te kereme i roto i te wā e tika ana.
Ko te whakaritenga kia tika te mahi ko te tukanga o te hanganga tuatahi o te kirimana tae atu ki te wā me muri i te tukunga o te kereme. I taua wā, ko te tohutohu i roto i te Ture Inihuara Tika mō ngā kaiinihua ko rātou whakatau wawe, tika hoki i ngā kereme tika katoaI whakatau te Kōti he tohutohu tēnei ki ngā kaiinihua kia whakaaroaro wawe i tētahi kereme. Kāore tēnei wāhanga o te Ture e kī ana he kawenga kei te kaiinihua ki te whakahaere i ā rātou ake rangahau hei whakatutuki i te kawenga kirimana o te taunakitanga e taka ana ki te tangata kua inihuatia.[3] I kī anō te Kōti ko te kawenga mō tēnei āhuatanga kei te tangata inihua, ehara i te kaiinihua. Ki te kī he kawenga tā te kaiinihua ki te aromatawai tika i ngā utu kino, ka takahi i te mātāpono taketake o te ture inihua, arā, ko te kawenga a te tangata inihua ki te whakaatu i tana mate me te nui o taua mate.

Te kawenga o te ngākau pono

I tautohe te IAG me utu tonu e rātou te moni, engari i taua wā tonu, i tautohetohe ngā rōpū mō te nui me te kaupapa. I roto i te keehi Young , i kite te Kōti mēnā kei te mahi te tangata inihua i runga i te ngākau pono, ka whakawhirinaki ki tana whanonga i te wā o te whakataunga. I uru atu ki tēnei mēnā he tika te tautohe. Ahakoa kāore te Kōti i kōrero tika mō te whanonga a te IAG i tēnei āhuatanga, i whakanuia e ia i roto i ngā āhuatanga pēnei i te wā e tautohetohe ana, ko te kore utu noa i te moni inihua ehara i te takahi i te ngākau pono.

Nō hea rawa te whakaaro o te CEIT mō te kawenga ki te aromatawai tika i ngā kereme?

I whakawhirinaki a CEIT ki a LS , [4] he take i whakatauhia e ia i mua. I roto i te LS , i tonoa a CEIT kia whakatau mēnā kua whiriwhiria e te tangata inihua he kōwhiringa i raro i te kaupapa here hei whakatika i ngā kino o te rū whenua ki ō rātou taonga. I kitea e te CEIT he kawenga kei runga i ngā kaiinihua ki te aromatawai tika i ngā kereme me te whakapuaki i ngā taipitopito ki te tangata inihua. Mā tēnei ka taea e te tangata inihua te whiriwhiri i te kaupapa here e hiahiatia ana e rātou i runga i te huarahi whai whakaaro. Heoi, i roto i te van der Noll v Sovereign Assurance , [5] ko te mana i whakamahia e CEIT ki te kimi i tēnei kawenga, kua kitea te herenga i roto i te kirimana i waenga i te Sovereign Assurance me te tangata inihua. I kitea e te Kōti he rerekētanga nui te whakataunga LS mai i te ture inihua o nāianei.

Tērā pea ka kite tātou i tētahi kawenga ā muri ake nei?

Ahakoa te kaha o te Kōti i roto i te IAG ki te whakanui i te korenga o te kawenga mō te kaiinihua ki te aromatawai tika i ngā kereme, kotahi te kōrero e tino kitea ana. I te mutunga o te whakataunga, te āhua nei kua waiho e Kaiwhakawā Hinton te kuaha kia paku tuwhera kia whakaarohia ai te kawenga: [6]

Ahakoa he wāhi pea kei reira mō ngā kōti ki te whakaaro ki te whakatakoto i tētahi kawenga ki tētahi kaiinihua ki te aromatawai tika i ngā kereme, ehara tēnei i te take tika mō te pera.

I te āhua nei i whakawhānui ake te Kōti i ngā āhuatanga i kore ai e tika mō tēnei take. I tēnei take, kua utua kētia e te tangata inihua ngā utu ngaio, ā, kāore anō kia ara ake te take o tētahi herenga hou . Heoi, kāore te Kōti i whakamārama he aha te mea tika hei whakaaro mō te herenga.

Whakamutunga: te kawenga kāore i rite

I kitea e te Kōti he hē te CEIT mō te kawenga ki te aromatawai tika i te kereme.

Nā te whakaiti i te whānuitanga o te takoha i kīia ai me utu noa e te IAG ngā utu whakatikatika ina oti te utu, ina tukuna ngā nama e pā ana ki te IAG, ā, ina makona te IAG, he tika ngā utu, ā, e pā ana ki te whānuitanga o te mahi.

I te whakakorenga i ngā kitenga a te CEIT, tera pea kua aukati te Kōti i tētahi tereina i oma atu. Me i tukua e te Kōti kia kaua e tirotirohia ngā mahi kua whakaritea, tera pea kua kitea e ngā kaiinihua rātou i roto i tētahi tūranga kāore i te mōhiotia e rātou, ā, kua taumaha rawa atu i tā te ture i whakaaro ai. Ahakoa ko IAG te rōpū angitu i tēnei take, ka tohaina ngā taonga ki te toenga o te umanga inihua.  

Mō te kaituhi: He Kairangahau Rangahau a Alexander Lyall i te tīma Whakahaere Mātauranga o te ADR Centre, e mahi ana ki te BDT. I whiwhi ia i tana LLB mai i Te Whare Wānanga o Canterbury, ā, he tohu BA anō hoki tāna i roto i te pūtaiao tōrangapū, ngā rangahau pāpāho, me te Reo Māori. Kua whakaputaina āna tuhinga e Radio New Zealand, te Kluwer Arbitration.

Ngā Tohutoro

[1] IAG New Zealand Limited v Degen [2024] NZHC 397.

[2] Young v Tower Insurance Ltd [2016] NZHC 2956 .

[3] IAG , i runga ake i te n 1, i [28].

[4] LS v Medical Insurance Society Ltd CEIT 0024-2020.

[5] van der Noll v Sovereign Assurance Co Ltd [2013] NZHC 3051.

[6] IAG , i runga ake i te n 1, i [38].

Whakapā mai

Whakakīia te puka hei whakapā atu ki tā mātou tīma kia kite ai me pēhea mātou e āwhina ai, e whakapā mai rānei ki a mātou mō tētahi o ēnei e whai ake nei:

Waea: +64 9 486 7143

Waea Koreutu: 0508 WHARE

Waea Koreutu: 0508 284 534

Ngā Hāora Tari: Mane ki te Paraire 8:30 i te ata ki te 5:00 i te ahiahi (haunga ngā hararei tūmatanui)

Whakapā mai

Ētahi atu rauemi ka pai pea ki a koe

Mena i kitea e koe he whai hua tēnei tuhinga, ā, kei te hiahia koe ki te ako atu, he nui ngā rauemi kē atu kei runga i tā mātou paetukutuku. He whānuitanga ā mātou tuhinga me ngā aratohu mō ngā kaupapa maha, kua hangaia ia tuhinga hei whakarato i te māramatanga hohonu ake ki a koe mō te kaupapa. Ka akiaki mātou i a koe kia tūhuratia ēnei rauemi me te whakahōhonu ake i tō mōhiotanga.
Whānui

He Aratohu Hira mō te Whakamārama i te Kirimana i Tukuna e te Kōti Matua

Bathurst Resources Ltd v L & M Coal Holdings Ltd [2021] NZSC 85

Ko te Kōti Matua i roto i te keehi Bathurst Resources Ltd v L &...
Tuhinga
Whānui , Whakatau

E 'rite' ana ngā kereme utu mō te moni pupuri ki ngā tikanga paerewa o te kirimana i Aotearoa?

Kāore te Ture Kirimana Hanga o Aotearoa 2002 ( CCA ) e kī mārama ana ka taea te whakamahi i ngā kereme utu hei whakahoki mai i te moni pupuri. Heoi anō,...
Tuhinga
Whānui

I kitea ko te tapanga i tētahi whakaahua he 'whakaaro toi' kāore e hoatu he raihana toi ki tētahi kaiwhakawhanake i roto i tētahi kereme mō ngā whanonga tinihanga me te mānumanu mō tētahi whare noho utu nui 'kāore i te rite ki te mahere'.

I whakawakia te ture tiaki kaihoko o Ahitereiria i te Kōti Matua o Ahitereiria i te wā i tāpiri noa ai tētahi kaiwhakawhanake i ngā kupu 'artist impression' ki...
Tuhinga