PARKER AND ANOTHER v NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LTD

[2013] Lloyd's Rep IR Plus 7

QUEEN’S BENCH DIVISION (COMMERCIAL COURT)

Before Mr Justice Teare

Insurance (fire) - Composite policy - Deliberate destruction by one co-assured - Non-disclosure of previous fraudulent claims - Effect of fraud and non-disclosure by one co-assured - Subrogation - Condition precedent relating to claims - Effect of breach - Whether breach excused by Unfair Terms in Consumer Contracts Regulations 1999 - Effect of ICOBS 8.