Thomas Griffiths
Tom joined Quadrant Chambers in October 2025, following the successful completion of pupillage.
Prior to pupillage, Tom worked in the shipping department of Reed Smith where he advised owners, charterers and P&I clubs on a range of shipping, arbitration and insurance matters.
Practice Area
Panel
- Contributing Author
1 Contributions by Thomas Griffiths
PRACTICE NOTES
Marine insurance law essentials: MIA 1906 and IA 2015, policy types, perils, warranties, seaworthiness, total loss, general average and salvage, disclosure, subrogation, causation, and choice of law
Introduction
This Practice Note sets out to familiarise readers with the principal ideas underpinning the law of marine insurance, noting where it coincides with, and where it diverges from, insurance law in general. The evolution of marine insurance in England, and the jurisprudence that accompanies it, can likely be followed back to the thirteenth century, when insuring ships and their cargoes emerged in step with growing maritime commerce. In origin, marine insurance law sprang from the carriage of goods and passengers by sea, extending to cover both property perils and liability exposures. The statutory definition of a marine insurance contract in section 1 of the Marine Insurance Act 1906 (MIA 1906) is notably broad: an agreement under which the insurer promises to indemnify the assured for marine losses, namely losses arising out of a marine adventure. That expansive wording is developed further by MIA 1906, section 2, which broadens the notion of a marine insurance contract to embrace protection against losses on inland waters, or any land risk incidental to a sea voyage, together with risks connected to the construction or launching of a ship, or any undertaking analogous to a marine adventure under MIA 1906, section 2, and section 1...
Insurance & Reinsurance
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