Insurance (Passenger Protection) – Cruise operator selling vessel – Claims made under policy by passengers – Whether cruises cancelled – Whether passengers suffered loss – Significance of claims forms.

Insurance (marine) – Loss of hire policy – Non-disclosure and misrepresentation – Inchmaree Clause – Whether assured failing to act with due diligence – Aggregation – Whether one or three occurrences giving rise to loss.

Insurance – Authorisation to carry on insurance business – Companies offering repair and replacement services for digital television equipment – Whether insurance business being carried on – Whether winding-up orders should be made – Financial Services and Markets Act 2000, section 19 – Financial Services and Markets Act 2000 (Regulated Activities) Order 2001.