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THE SUPREME COURT OF APPEAL OF SOUTH …

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THE SUPREME COURT OF APPEAL . OF SOUTH AFRICA. CASE NO: 569/03. Reportable In the matter between HOLLARD LIFE ASSURANCE COMPANY LIMITED Appellant and G J VAN DER MERWE NO Respondent Before: Scott, Mthiyane, Conradie, Van Heerden JJA et Ponnan AJA. Heard: 19 November 2004. Delivered: 30 November 2004. Summary: Interpretation of exclusion clause in insurance policy . whether accidental, wholly self-inflicted injury falling within ambit of clause JUDGMENT. VAN HEERDEN JA. 2. [1] There were two main issues in the action giving rise to this APPEAL : firstly, the interpretation of an exclusion clause in an insurance policy and, secondly, the locus standi of the executor of an insured's deceased estate to claim benefits in terms of the policy in a situation where the insured had ceded all his rights under the policy to a third party as security for a debt ow

2 [1] There were two main issues in the action giving rise to this appeal: firstly, the interpretation of an exclusion clause in an insurance policy and,

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