Insurance company sought to recover around £50,000 it had paid out under household policy, on the basis of fraud. VAT of £7,500 had been fraudulently claimed on an invoice where no VAT had been charged or was payable.
Employers’ liability insurance; motor insurance; Road Traffic Act; statutory interpretation
Employee injured while on a stationary lorry operating a cherry picker. Question of whether accident covered by employers’ liability or motor policy depends on whether employee was “being carried in or upon a vehicle”.
Motor policy – hire costs – offer of alternative vehicle by insurer
B hires replacement vehicle at £32.90 a day following collision caused by A. A’s insurers offer a replacement vehicle at no charge. Legal advice sought by B not received until the following year. A’s insurers dispute B’s claim to hire costs.
A south coast hotel company was undertaking a substantial refurbishment which was due for completion in late spring 2010. The project ran behind schedule and the profitable summer holiday season was missed. In late summer the hotel suffered water damage with a repair cost of £90,000.
Non indemnity - policy exclusions – causation – degenerative condition - personal accident insurance
A professional football club had an insurance policy to cover the risk of injury to its players. One of its players suffered a back injury which brought his professional football career to an end. The football club made a claim for the injury.