The applicant, who was found Not Criminally Responsible (NCR) for an aggravated assault due to schizophrenia, sought a declaration that his insurer owed a duty to defend him in a civil action brought by the victim.
The victim's claim was framed in negligence.
The court found that the negligence claim was derivative of the intentional tort of assault.
Furthermore, the court held that despite the NCR finding, the applicant's actions were both intentional and criminal within the meaning of the insurance policy's exclusion clauses.
The application was dismissed, and the insurer was found to have no duty to defend.