BNM (administratrix of the estate of B, deceased) on her own behalf and on behalf of ors v National University of Singapore and anor
Jurisdiction | Singapore |
Judge | Quentin Loh J |
Judgment Date | 09 January 2014 |
Neutral Citation | [2014] SGHC 5 |
Court | High Court (Singapore) |
Docket Number | Suit No 954 of 2009 |
Published date | 15 January 2014 |
Year | 2014 |
Hearing Date | 23 August 2012,25 April 2013,22 February 2013,09 April 2013,29 November 2012,27 November 2012,06 August 2012,21 February 2013,08 April 2013,22 April 2013 |
Plaintiff Counsel | Beh Eng Siew (Lee Bon Leong & Co) |
Defendant Counsel | Anparasan s/o Kamachi (KhattarWong),K P Allagarsamy (Allagarsamy & Co),Yuen Simon (Legal Clinic) |
Subject Matter | Tort,Negligence |
Citation | [2014] SGHC 5 |
On 6 June 2007, B, (“the Deceased”), an IT network manager employed by the first defendant, the National University of Singapore (“NUS”), drowned whilst swimming at a swimming pool owned by NUS. His widow, BNM, brings this action in tort on behalf of her two young children, aged 3 and 6 in June 2007, as administratrix of the Estate of the Deceased and on her own behalf. I will refer to her as “the Plaintiff”. The children are now aged 9 and 12.
NUS decided to outsource the supply of lifeguards and cleaning of the swimming pool in late 2006. The second defendant, Hydro Aquatic Swimming School (“Hydro Aquatic”), was the only tenderer and was accordingly awarded the contract to supply lifeguards and clean the swimming pool for the period of one year from 1 April 2007 under a written contract. Hydro Aquatic was therefore providing lifeguard services at the relevant time. NUS brought a third party action seeking contribution or an indemnity from Hydro Aquatic in the event that it was found liable to the Plaintiff and the Plaintiff added Hydro Aquatic as a second defendant. Hydro Aquatic brought fourth party proceedings against its insurer, Overseas Assurance Corporation Limited (“OAC”), under a public liability insurance policy which, Hydro Aquatic contends, would cover any liability found against it in the present suit. OAC took the position that the insurance policy does not cover the liability arising out of Hydro Aquatic’s alleged negligence.
The trial, which was solely on liability, took place over 17 days in three tranches and at the end I reserved judgment which I now give. This has been a tragic and difficult case.
The respective cases The Plaintiff makes the following allegations of negligence (and in occupier’s liability) against the Defendants:
NUS’s case, in the main, is that:
Hydro Aquatic denies the claims against it and the allegations of negligence, want or care and/or breach of contract. It claims that its lifeguards responded promptly, rushed to the aid of the Deceased on noticing that he was in difficulty or distress, applied continuous cardio pulmonary resuscitation (“CPR”), and provided aid using the Oxyviva and AED. The AED was used to apply an electrical charge to the Deceased. Hydro Aquatic had done all it could reasonably be expected to do. Hydro Aquatic advances the defence that in any case, the cause of death of the Deceased was due to his ischaemic heart disease as recorded in the Deceased’s autopsy report. In so far as Hydro Aquatic is held liable to the Plaintiff or NUS, it claims an indemnity under their public liability policy taken out with OAC.
OAC denies that its policy covers Hydro Aquatic in the circumstances and relies on its policy terms and conditions. I heard oral submissions on this as a preliminary issue at the start of the trial, and ruled that in the circumstances of this case, if there is any liability on the part of Hydro Aquatic to the Plaintiff or NUS, Hydro Aquatic was entitled to an indemnity from OAC under its policy. The reasons for this decision are set out below at [127] to [137].
The evidence led in the trial covered four broad issues:
Apart from the medical condition of the Deceased, which I shall deal with later, some of the background facts and facts leading up to the incident are not very contentious. What was disputed was what happened in those few fraught minutes from the time when the Deceased was first seen to be in trouble at or near the bottom of the pool to the time when he was recovered from the water and unsuccessful attempts were made to resuscitate him. The following constitute my findings of fact.
The Deceased was at the time of his death aged 40 and employed as an IT network manager in the NUS computer centre. It was part of his routine to swim together with a friend, Er Chee Teck (“Er”), once a week during lunchtime at the NUS swimming pool.
The swimming pool was a standard Olympic sized pool, 50m long and 25m wide, with a separate smaller...
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BNM v National University of Singapore
...the estate of B, deceased) on her own behalf and on behalf of others Plaintiff and National University of Singapore and another Defendant [2014] SGHC 5 Quentin Loh J Suit No 954 of 2009 High Court Contract—Exclusion clauses—Contract for insurance—Fourth party in action insured third party i......