HAYWARD v NORWICH UNION INSURANCE LTD

[2001] Lloyd's Rep IR 410

COURT OF APPEAL

Before Lord Justice Peter Gibson, Lord Justice Mummery and Lord Justice Rix

Insurance (motor) - Car stolen from service station - Keys in ignition but car fitted with immobiliser - Motor policy covering theft but excluding loss whilst ignition keys left in or on car - Insured under duty to take reasonable steps to safeguard car - Whether there had been “theft” - Whether keys had been “left” in car - Whether insured had taken reasonable steps to safeguard against loss - Whether insurers owe duty of care to seek to recover stolen property.