Civil Law — Contract — home insurance policy — insurance company denied claim — whether insurance company liable — extensive pleadings — insurance company unilaterally cancelled contract — breach s 63(1) of the Insurance Contracts Act and the insurance policy — relief sought (damages) not barred by s 15 of the Insurance Contracts Act — no evidence of unconscionable conduct — representations — objective test — policy conditions not misleading and deceptive — continued dealing with plaintiff misleading — breached s 18 of the Australian Consumer Law — estoppel — no basis for conventional or promissory estoppel — question of quantum separated.
