Catchwords:

INSURANCE – property insurance – home and contents – where claim by policyholder made following break-in at home – where drafting in policy used the word “cover” throughout – whether cause of action for damages arose at the time of property damage or upon determination of claim – whether claim against policy barred by Limitation Act 1969 (NSW), s 14 – whether “cover” where used in policy interchangeable with “indemnify”