BC v J Ltd & M Insurance [2023] NZDT 513 (30 September 2023) [pdf, 182 KB]
...boat ramp falls within this exclusion and therefore is not covered under the policy. Onus of Proof 4. When an applicant brings a claim in the Tribunal, they have the onus of proving their claim on the balance of probabilities. This is the civil law standard of proof, requiring them to show the events or circumstances they claim are “more likely than not” to have occurred. When I assess whether that standard is met, I consider and evaluate the evidence presented to me by the pa...