MAKIN V PROTEC SECURITY GROUP LTD

[2026] EWCA Civ 1367, Court of Appeal, Lady Justice King, Lord Justice Stuart-Smith and Lady Justice Cockerill, 27 October 2026

Insurance (public liability) – Claims conditions – Whether conditions broken – Effect of breach – Whether conditions required a rational or reasonable decision by insurers – Effect on insurers of judgment against assured – Third Parties (Rights against Insurers) Act 2010

D2, a security company, was insured against public liability by QBE.