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LONDON INTERNATIONAL EXHIBITION CENTRE PLC v ALLIANZ INSURANCE PLC AND OTHERS | HAIRLAB LTD AND OTHERS v AGEAS INSURANCE LTD | MAYFAIR BANQUETING LTD v AXA INSURANCE PLC | KAIZEN CUISINE LTD AND OTHERS v HDI GLOBAL SE-UK BRANCH | WHY NOT BAR AND LOUNGE LTD v WEST BAY INSURANCE PLC AND ANOTHER
[2025] Lloyd's Rep IR 1
Insurance (business interruption) – “At the premises” extensions – Causation – Concurrent causes – Date of inception of cover – Meaning of “Medical Officer” of “Public Authority” – Meaning of disease “suffered by”.
HAMILTON CORPORATE MEMBER LTD v AFGHAN GLOBAL INSURANCE LTD AND OTHERS
[2025] Lloyd's Rep IR 31
Reinsurance (political violence) – Warehouse in Afghanistan taken by Taliban – Meaning of “seizure” – Whether seizure exclusion limited to acts by governing authority – Causation.
FLANAGAN v BERNASCONI AND ANOTHER
[2025] Lloyd's Rep IR 48
Insurance (property) – Insurance broker – Coverage – Breach of duty – Causation – Meaning of “defect in an item” – Reasonable precautions.
RESOLUTION LIFE AUSTRALASIA LTD v NM SUPERANNAUTION PTY LTD
[2025] Lloyd's Rep IR 61
Insurance (life) – Group insurance – Whether trustee under an implied obligation to continue policy – Effect of non-payment of premiums.
RIEDWEG v HCC INTERNATIONAL INSURANCE PLC AND ANOTHER
[2025] Lloyd's Rep IR 75
Insurance – Assured becoming insolvent – Contribution – Whether insurers liable for same damage – Third Parties (Rights Against Insurers) Act 2010 – Civil Liability (Contribution) Act 1978.
GATWICK INVESTMENT LTD v LIBERTY MUTUAL INSURANCE EUROPE SE | HOLLYWOOD BOWL GROUP PLC v LIBERTY MUTUAL INSURANCE EUROPE SE | STARBOARD HOTEL LTD AND OTHERS v LIBERTY MUTUAL INSURANCE EUROPE SE | FULLER SMITH & TURNER PLC v LIBERTY MUTUAL INSURANCE UROPE SE AND ANOTHER | LIBERTY RETAIL LTD AND OTHERS v LIBERTY MUTUAL INSURANCE EUROPE SE | BATH RACECOURSE CO LTD v LIBERTY MUTUAL INSURANCE EUROPE SE AND OTHERS | INTERNATIONAL ENTERTAINMENT HOLDINGS LTD AND OTHERS v ALLIANZ INSURANCE PLC
[2025] Lloyd's Rep IR 82
Insurance (business interruption) – Causation – Meaning of “Statutory Authority” – Meaning of “Incident” – Aggregation – Deduction of furlough payments.
INTERNATIONAL ENTERTAINMENT HOLDINGS LTD AND OTHERS v ALLIANZ INSURANCE PLC
[2025] Lloyd's Rep IR 122
Insurance (business interruption) – Covid-19 – Non-Damage Denial of Access extension – Meaning of “policing authority” – Meaning of “incident” – Whether incident had to take place within contractual radius – Aggregation.
GLOBAL AEROSPACE UNDERWRITING MANAGERS LTD AND OTHERS v GLOBAL PRIVATE INVESTMENTS LTD
[2025] Lloyd's Rep IR 132
Insurance (aviation) – Measure of indemnity for damaged aircraft – Whether policy provided for diminution in value or repair costs – Whether accelerated depreciation could be recovered – Scope of cover for cost of hiring replacement aircraft.
ATTREE PTY LTD v CERTAIN UNDERWRITERS AT LLOYD'S OF LONDON
[2025] Lloyd's Rep IR 145
Insurance (liability) – Management Liability Insurance Policy – Whether claim for damages or compensation – Exclusion for contractual liability – Exclusion for business liability – Exclusion for industrial instruments.
SKY UK LTD AND ANOTHER v RIVERSTONE MANAGING AGENCY LTD AND OTHERS
[2025] Lloyd's Rep IR 157
Insurance (property) – Meaning of “damage” – Coverage for damage after period of insurance – Recoverability of investigation costs – Whether a decision could be an event.
TYSON INTERNATIONAL CO LTD v GIC RE, INDIA, CORPORATE MEMBER LTD
[2025] Lloyd's Rep IR 182
Reinsurance – Binding nature of Market Reform Contracts – Effect of subsequent Reinsurance Certificates – Whether disputes subject to English jurisdiction or New York arbitration – Stay of proceedings – Anti-suit injunction – Arbitration Act 1996, section 9 – Senior Courts Act 1981, section 37.
WOOD AND ANOTHER v DESAI AND ANOTHER
[2025] Lloyd's Rep IR 203
Insurance – Professional indemnity – Payment by insurers to assured before insolvency – Whether third party has claim over proceeds – Implied term – Constructive trust – Unjust enrichment.
ALI v HSF LOGISTICS POLSKA SP ZOO
[2025] Lloyd's Rep IR 215
Insurance (motor) – Credit hire charges – Claimant's car not possessing MOT certificate – Illegality – Causation – Whether credit hire charges recoverable.
CLARENDON DENTAL SPA LLP AND ANOTHER v AVIVA INSURANCE LTD AND ANOTHER
[2025] Lloyd's Rep IR 228
Insurance (property) – Duty of fair presentation – Construction of express questions – Waiver of disclosure – Moral hazard – Insurance Act 2015.
SCOTLAND GAS NETWORKS PLC v QBE UK LTD AND ANOTHER
[2025] Lloyd's Rep IR 239
Insurance (liability) – Claim for loss suffered by owner of gas mains by reason of mining operations – Default judgment against assured – Whether liability “established” – Whether loss covered by policy – Third Parties (Rights Against Insurers) Act 2010.
UNIPOLSAI ASSICURAZIONI SPA v COVÉA INSURANCE PLC | MARKEL INTERNATIONAL INSURANCE CO LTD v GENERAL REINSURANCE AG
[2025] Lloyd's Rep IR 254
Reinsurance – Excess of loss – Aggregation – Covid-19 – Meaning of “catastrophe” – Effect of “hours clause” – Arbitration – Error of law – Arbitration Act 1996, section 69.
NORMAN HAY PLC (IN MEMBERS' VOLUNTARY LIQUIDATION) v MARSH LTD
[2025] Lloyd's Rep IR 291
Insurance (broker) – Claim by assured alleging failure to secure insurance for motor risks – What had to be proved by claimant – Striking out – Summary judgment.
ONYEARI v CHURCHIL LTD AND OTHERS
[2025] Lloyd's Rep IR 298
Insurance (liability) – Subrogation – Immunity of co-assured for costs order in claim against another co-assured – Whether conduct “wilful”.
UNIPOLSAI ASSICURAZIONI SPA v COVÉA INSURANCE PLC
[2025] Lloyd's Rep IR 326
Reinsurance – Excess of loss – Aggregation – Covid-19 – Meaning of “catastrophe” – Effect of “hours clause”.
LIBERTY MUTUAL INSURANCE EUROPE SE AND OTHERS v BATH RACECOURSE CO LTD | LIBERTY MUTUAL INSURANCE EUROPE SE v STARBOARD HOTELS LTD | BATH RACECOURSE CO LTD v LIBERTY MUTUAL INSURANCE | EUROPE SE AND OTHERS GATWICK INVESTMENT LTD v LIBERTY MUTUAL INSURANCE EUROPE SE | STARBOARD HOTELS LTD v LIBERTY MUTUAL INSURANCE EUROPE SE
[2025] Lloyd's Rep IR 353
Insurance (business interruption) – Covid-19 claims – Non-damage extension clauses – Composite insurance – Whether limit of indemnity was aggregate or applied to each policyholder – Whether furlough payments were to be deducted from sums recoverable.
MIE FORCE PTY LTD v ALLIANZ AUSTRALIA INSURANCE LTD
[2025] Lloyd's Rep IR 387
Insurance – Subrogation – Claimant providing workers for construction project – Whether claimant entitled to benefit of liability policy – Agency – Sub-contractor.
WATFORD COMMUNITY HOUSING TRUST v ARTHUR J GALLAGHER INSURANCE BROKERS LTD
[2025] Lloyd's Rep IR 407
Insurance – Claim against broker for failing to advise notification of claim – Double insurance – Effect of excess clauses – Amount recoverable by assured – Liability of broker for shortfall.
LEGGETT AND OTHERS v AMERICAN INTERNATIONAL GROUP UK LTD
[2025] Lloyd's Rep IR 421
Insurance (professional indemnity) – Solicitors’ policy – Effect of judgment against assured – Coverage of policy for transferred liabilities from predecessor in title – Third Parties (Rights Against Insurers) Act 2010.
LONHAM GROUP LTD v SCOTBEEF LTD AND ANOTHER
[2025] Lloyd's Rep IR 461
Insurance (liability) – Pre-contractual statement – Conversion into warranty – Post-contractual warranties – Transparency of terms – Insurance Act 2015, sections 3, 9, 10, 11, 16 and 17.
BARALABA COAL CO PTY LTD AND ANOTHER v AAI LTD (TRADING AS VERO INSURANCE) AND OTHERS
[2025] Lloyd's Rep IR 485
Insurance – Industrial Special Risks – Property damaged during storm – Further damage during repairs after expiry of policy – Whether policy covered later damage – Effect of exclusions – Effect of Form of Release.
DELOS SHIPHOLDING SA AND OTHERS v ALLIANZ GLOBAL CORPORATE AND SPECIALTY SE AND OTHERS
[2025] Lloyd's Rep IR 505
Insurance (marine) – War and allied risks – Detention – Effect of exclusion for customs or quarantine regulations and similar arrests – Non-disclosure – Knowledge and materiality – Insurance Act 2015.
DOROUDVASH v ZURICH INSURANCE PLC
[2025] Lloyd's Rep IR 525
Insurance (motor) – Civil Liability (Contribution) Act 1978 – Meaning of “same damage” – European Communities (Rights Against Insurers) Regulations 2002 (SI 2002 No 3061).
NATIONAL HOUSE BUILDING COUNCIL v PEABODY TRUST
[2025] Lloyd's Rep IR 533
Insurance (insolvency) – Limitation of actions – Date of accrual of action – Limitation Act 1980, section 5.
DORMER v WILSON AND OTHERS
[2025] Lloyd's Rep IR 547
Insurance (motor) – Pillion passenger injured – Defence of illegality – Effect of motorcycle having been stolen – Road Traffic Act 1988, sections 143, 148 and 151 – Motor Insurers’ Bureau Uninsured Drivers Agreement 2015.
MAKIN v THE RESTAURANT MUSE LTD AND OTHERS
[2025] Lloyd's Rep IR 579
Insurance (liability) – Claims – Notification clause – Cooperation clause – Whether compliance condition precedent – Utmost good faith and policy discretions – Effect of judgment against assured – Third Parties (Rights Against Insurers) Act 2010.