John Curran
John Curran joined Indemnity Legal in August 2021. John’s practice spans high-value/complex financial lines, D&O, transactional and tax, business interruption, and energy disputes.
John joined Indemnity Legal after five years at Fenchurch Law, six years at DLA Piper, and 20 years at Clifford Chance. Though John now advises commercial policyholders exclusively on the resolution of high-value/complex insurance disputes, he has acted in the past for global insurers, brokers, and commercial/institutional policyholders in disputes arising in the London market and internationally.
John is qualified in both England & Wales and Hong Kong and is a solicitor advocate.
Practice Area
Panel
- Contributing Author
Qualified Year
- 1991
Experience
- Fenchurch Law (2015 - 2020)
- DLA Piper (2009 - 2015)
- Clifford Chance (1989 - 2009)
Membership
- Law Society of England and Wales
Qualifications
- LLB Hons (1987)
- MA (2019)
- PGCE (2021)
- Solicitor of the Supreme Court of England & Wales (1991)
- Solicitor of the Supreme Court of Hong Kong (1991)
- Solicitor Advocate (2000)
Education
- Exeter University (1987)
- Birkbeck, University of London (2019)
- Roehampton University (2021)
1 Contributions by John Curran
PRACTICE NOTES
General (Non‑Life) Insurance for Consumers and Businesses: Policy Classes, Statutory and Regulatory Frameworks, Exclusions and Claims/Notification Essentials for Lawyers
Consumer insurance and commercial insurance for businesses
This Practice Note sets out an overview of several widely used insurance types, who may require them, and how they operate. Broadly, insurance falls into two groupings:
cover for consumers
cover for businesses
For individuals purchasing as consumers, the governing statute is the Consumer Insurance (Disclosure and Representations) Act 2012 (CI(DR)A 2012). CI(DR)A 2012 describes a consumer as an ‘individual who enters into the contract wholly or mainly for purposes unrelated to that individual’s business trade or profession’. The Act addresses what a consumer is obliged to tell the insurer before making, or changing, an insurance contract. See Practice Note: A guide to the Consumer Insurance (Disclosure and Representations) Act 2012 for additional detail.
For business policyholders, the applicable legislation is the Insurance Act 2015 (IA 2015). IA 2015 signifies a paradigm shift away from what had been seen as an outdated and overly insurer-friendly regime, aiming to achieve a ‘better balance of interests between policyholders and insurers’. Under IA 2015, s 1, any insurance contract that is not a consumer contract is treated as a non-consumer contract...
Insurance & Reinsurance
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