Consumer insurance: misrepresentation

In Cowie v Vitality Corporate Services Ltd and Others [2025] CSOH 52 Lord Sandison in the Court of Session Outer House has considered a series of important points relating to the operation of the Consumer Insurance (Disclosure and Representations) Act 2012. The court also considered at length the principle that an insurer may, in seeking to deny liability for misrepresentation, might itself be acting in bad faith.

Cowie : the facts