News Archive

Covid-19 FBD – BI Commercial Court judgement

Our article outlines how the Commercial Court decision was based very much on the UK Supreme Court decision but again largely confined to Policies with radius cover.  There was a “sting in the tail” in terms of the indemnity period and we suggested that this will create issues or difficulty in terms of quantum but that the further “quantum hearing” on the 17th February 2021 should clarify matters.

Covid-19 Bulletin – UK Supreme Court decision

In this article we provide a detailed analysis of the UK Supreme Court decision and how in reality it dealt with the “pervasive” argument and how the Orient Express Hotel decision was more or less overruled.

“Insurance Times” article dealing with reinstatement payouts.

In this article we outline the position in relation to Great Lakes -v- Western Trading (2016) and the Sartex Quilts & Textiles -v- Endurance Corporate Capital is referred to in the Insurance Times.  We outline how the insured’s intentions are paramount and how in reality “payouts” are controlled and dictated by the terms of the Policy conditions, more particularly the Reinstatement Memorandum.

Consumer Insurance Contracts Act 2019

Over a number of years Insurers had retained arbitrary amounts (see previous articles on this website) and due to pressure from various concerns, eventually incorporated conditions in their Policy whereby the specified amount was outlined as a term and condition.

Celtic Tiger Construction Costs

Recent figures suggest that we are approaching “Celtic Tiger” levels of construction costs. Sum insured levels need to be reviewed accordingly to avoid penalties or proportional reductions for under-insurance.

RIAI Clause 26 and its implications

If you have a fire in your home and you need to vacate for a period in excess of 35 days, cover will be restricted under your Policy.

Quick Question, do you need your own Loss Adjuster?

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