MAKIN V PROTEC SECURITY GROUP LTD

[2025] EWHC 895 (KB), King's Bench Division, His Honour Judge Pearce, 11 April 2025

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

Protec Security Group LTD("D2"), a security company, was insured against public liability by QBE. The policy contained a series of conditions that: "must be complied with after an incident that may give rise to a claim under your policy. Breach of these conditions will entitle us to refuse to deal with the relevant claim."