The insured was securing a boat to a trailer attached to his van using a bungee cord.
The cord snapped and injured his friend's eye.
The friend sued the insured.
The insured had three insurance policies: an automobile policy with Axa, a boat liability policy with Dominion, and a homeowner's policy with Co-Operators.
Axa and Dominion appealed the application judge's decision regarding coverage.
The Court of Appeal dismissed the appeals, holding that the Axa automobile policy must respond because securing the boat was an ordinary activity related to the use of the vehicle.
The Court also upheld the finding that Dominion's policy provided only excess coverage for both indemnity and defence costs, and that the Co-Operators policy explicitly excluded the claim.
