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EQUITAS INSURANCE LTD v MUNICIPAL MUTUAL INSURANCE LTD

LLR: Insurance & Reinsurance

EQUITAS INSURANCE LTD v MUNICIPAL MUTUAL INSURANCE LTD

[2019] Lloyd's Rep. IR 359

COURT OF APPEAL

Before Lord Justice Patten,Lord Justice Leggatt,Lord Justice Males

Reinsurance – Excess of loss – Mesothelioma – Insurers liable for full amount of claims in each year of coverage – Whether insurers could “spike” outward claims into any year of reinsurance – Implied terms – Utmost good faith – Exercise of discretion.

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