SPRUNG v ROYAL INSURANCE (UK) LTD
                                                                    [1999] Lloyd's Rep IR 111
                                                                    COURT OF APPEAL
                                                                    Before Lord Justice Beldam, Lord Justice Evans and Lord Justice Pill
                                                                    
Fire insurance - Insurers denying liability without investigating claim - Whether insurers under duty to accept liability within a reasonable time - Whether damages available for breach of any duty - Whether insurers able to plead lack of consent to repairs where liability is not accepted.