Where an insurance policy's conditions clause confers on the insurer a right to refuse or reduce a claim for breach of a condition, the onus of proving breach of a reasonable care condition rests on the insurer, not the insured. The second limb of a reasonable care condition requiring compliance with statutory obligations is qualified by the introductory words 'exercise reasonable care and precautions' where the heading 'Reasonable Care' describes the whole clause and such construction produces congruent operation with related exclusion clauses. A finding of recklessness requires proof that the insured actually recognised a real danger and deliberately courted it; it is not sufficient to show what the insured ought to have appreciated had they acted reasonably.
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