<i><b><font face="Times New Roman" size="3">Law of Contract - Insurance - Failure of insurer to settle claim made by insured - Whether the insured deliberately caused the peril - Burden of proof - Onus on insurer to adduce credible evidence that insured committed arson - Standard of proof required in civil cases tainted with criminality is proof beyond reasonable doubt - Evidence Act s. 13(1) <br>Indemnity - Measure of indemnity - Whether plaintiff has to be restored to the position existing at the time of the fire - Onus on plaintiff to adduce evidence to prove quantum of loss suffered.</font></b></i><br>