JUDGMENT

This is a consolidated action by the Plaintiff for compensation under 2 different policies of insurance issued by the Defendant.

When trial commenced, learned counsel (Mr S. Radhakrishnan for the Plaintiff, and Mr R. Mohan Krishnan for the Defendant) submitted a statement of agreed facts and agreed issues (marked "A") and a bundle of agreed documents (marked "AB"), and informed the court that both parties would not be adducing any oral evidence but would be relying instead on "AB" and the submission of counsel.

The agreed facts, and they would give the background, are as follows. The Plaintiff is and was at all material times a company incorporated in Malaysia with a principal place of business at Wisma Palmex, Prai Industrial Complex, Prai, Penang, Malaysia. The Defendant is and was at all material times a duly licensed insurer incorporated in Malaysia with its principal place of business at 9th Floor, Bangunan AMDB, No. 1, Jalan Lumut, Kuala Lumpur. On the Plaintiffs' application and in consideration of the premiums paid by the Plaintiff to the Defendant, the Defendant issued 4 policies of insurance, covering various specified risks stated in the schedules to those policies