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R (Greyhound Board of Great Britain Ltd) v Welsh Ministers [2026] EWHC 670 (Admin) What are the practical implications of this case? The ruling reinforces the constitutional divide between the courts and the legislature. It explains that the scheme and framework of the Government of Wales Act 2006 (GWA 2006) embody that separation of powers, and that any judicial attempt to recognise and enforce a common law obligation on Welsh Ministers to consult prior to introducing legislation in the Senedd would trespass upon that boundary. This is not a departure from established principle; case law has already upheld comparable rules for lawmakers in Scotland and at Westminster. However, this is the first express confirmation of the position for Welsh lawmakers, and the first time this dimension of the GWA 2006 has been analysed in such depth. The court examined earlier
The solution arrived through the United Nations Compensation Commission (UNCC), a quasi‑judicial body handling mass claims, created under UN Security Council Resolution 687. By addressing environmental harm—most notably via its ‘F4’ claim class—the UNCC set a seminal benchmark shaping how international law and contemporary arbitral panels allocate financial responsibility for wartime ecological devastation. With present-day wars in areas such as Eastern Europe and the Middle East bringing dam breaches, strikes on chemical facilities, and the burning of farmland, the UNCC’s legacy endures as an essential reference point for states, global investors, and companies engaged in post‑conflict arbitration. The F4 claims: Quantifying the unquantifiable Prior to the 1990s, mechanisms in international law for war reparations overwhelmingly favoured property loss, foregone earnings, and bodily injury. The natural world was commonly treated as a mute, non-compensable victim of armed hostilities...
Understanding the farming business as a business Many farms still use long-standing structures that arose by habit, not strategy. Sole traders, informal partnerships and outdated partnership deeds are common. While once effective, such setups can cause major issues around succession, tax planning and involving the next generation. A corporate team can take a fresh, business-led view of the farm, asking: Who owns the land and other critical assets? Who manages daily operations? Who carries the risk and who enjoys the return? What is the enduring plan for succession? From this review, the team can confirm whether the current setup is fit for purpose or if an alternative — for example an updated partnership agreement, a company, a limited liability partnership, or a blended model — would better meet the family’s aims. Tax efficiency through joined-up advice Tax sits at the centre of most
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Publishing the data on 10 November 2025, the ABI has urged that cyber-insurance should form ‘a part of every organisation’s modern risk management strategy’. It noted the report’s figures were drawn from participating member firms and, as such, do not entirely reflect the complete picture for cyber-insurance across the UK. Jonathan Fong, the ABI’s head of general insurance policy, warned that cyber-threats are rapidly increasing in both scale and sophistication, adding that cyber-insurance must be ‘a critical component of every organisation’s modern risk management strategy’......
Analysts say a statutory complaint lodged in September 2025 by a consumer advocacy organisation, acting for millions of policyholders, has left the FCA in an awkward spot. The submission branded the UK insurance market fundamentally ‘broken’, alleging the regulator has taken a soft‑touch approach while insurers oversee sharply rising claim refusals. It places the regulator under scrutiny from both consumers and firms as it weighs its next steps. Its choices now will be closely watched by many. The previous super‑complaint about malpractice across insurance triggered the most significant shake‑up of pricing practices in a generation. Yet commentators warn that political headwinds might limit how far the FCA can go this time. Branko Bjelobaba, director of insurance regulatory compliance firm Branko, said the watchdog must tread a careful line: safeguarding customers through rules while easing burdens so firms can innovate and compete. That, he added, does not grant the...
Five claims covering small-to-medium businesses Five SME actions have been consolidated, alleging Liberty Mutual wrongly refused to pay losses arising from enforced closures linked to coronavirus infections and the government’s response. At a preliminary issues trial, Christopher Hancock KC, sitting as a judge of the High Court, is asked to scrutinise the wording of policies held by 52 businesses, among them pubs and a hairdresser. The central question is how the phrase 'discovery of a notifiable human infectious or contagious disease at the premises' should be interpreted in relation to coronavirus. The claimants contend that cover is triggered if an individual with coronavirus, or showing symptoms, has attended their premises. They further argue that an 'occurrence' of coronavirus at a business is equivalent to a 'discovery' of the disease......
Court of Appeal upholds July 2024 ruling on Amlin policy clause The Court of Appeal confirmed the July 2024 lower-court judgment, holding that a particular clause in the Amlin policy issued to Bintan Mining Corp means the insurer bears no liability to King Trading Ltd and The Korea Shipowners' Mutual Protection & Indemnity Association ( KP& I). The appellate court reached this view because the mining company, now insolvent, failed to pay an arbitration award it owed. Justice Geoffrey Vos dismissed the appeal by King Trading — owner of the Solomon Trader — and KP& I, finding that the pay first clause required Bintan to settle its liabilities before any other entity could seek indemnity from the insurer under the policy. Vos J explained that the insuring provision operates in full whenever the insured satisfies a judgment or award, and that the mischief addressed by the pay first...
In this issue: Ukraine Conflict Cases and Decisions Intermediaries and market practice Insurance types UK Regulation Cases tracker Dates for your diary New and updated content Daily and weekly news alerts Lex Talk®Insurance: a Lexis®Nexis community Ukraine Conflict A consortium of reinsurers disputes any obligation to pay the Bank of Utah US$9.5m in relation to a jet engine said to be stranded in Russia following the country’s invasion of Ukraine, arguing the demand is statute‑barred by Russian law. See: Reinsurers say bank filed Russian jet engine claim too late. Cases and Decisions Ms Amlin Marine NV (for Ms Amlin Syndicate AML/2001) v King Trader Ltd. The Court of Appeal ( Civil Division) upheld the finding that a ‘pay first’ provision in a marine policy bound the Charterer, dismissing the appellants’ challenge. The dispute related to cover placed by MS...
Shoib Khan, director for insurance supervision at the Bo E’s Prudential Regulation Authority ( PRA), said that draft rules on captive insurance will be published by the summer of 2026. Captives are specialist insurers created solely to underwrite a parent company’s liabilities. Up to now, many UK-based businesses have set up captives in offshore jurisdictions, such as the British dependencies of Guernsey or the Isle of Man. But in July 2025 the government stated it intends to create new regulation that would allow captives to be set up......
The reinsurers, in their High Court defence, argue the bank cannot seek monetary compensation for the engine it claims it no longer holds because the two‑year limitation has now expired. The defence, dated 17 October 2025 and only recently disclosed to the public, states that reinsurance contracts are subject to rules governing business risk insurance. They characterise the contracts, under Russian law, as a particular form of property insurance contract. On that legal basis, the limitation clock starts when the creditor submits a demand for performance, the reinsurers say. They add that the two‑year period for the claimant’s rights under the Insurance policy and/or the reinsurance policies lapsed on 13 September 2024. Bank of Utah, acting solely as owner trustee of the engine and not in its individual capacity, brought civil proceedings against Russian insurer Alfa Strakhovanie in August 2025 for up to...
Zurich stated its partnership with the University of St Gallen in Switzerland and the Agentic Systems Lab at ETH Zurich, a separate university, will seek to transform the way insurance is delivered and experienced by customers. The programme, to be headed by a cohort of Ph D and master's students mentored by Zurich employees and university professors, aims to speed up and create 'scalable solutions' that tackle real-world insurance challenges and reshape what consumers should anticipate from their providers, the announcement says......
The National Cyber Security Centre ( NCSC) reported handling 204 such incidents across the UK in the 12 months to August 2025—up from 89 in 2024 during the previous year. The body deems an attack nationally significant when it leads to prolonged disruption of vital services or threatens national security. The NCSC, a component of Government Communications Headquarters ( GCHQ), also noted that 18 out of the 429 incidents it recorded were labelled ‘highly significant’—those with the potential to have a serious impact on essential services. That represented a rise of nearly 50% in attacks falling into that categorisation compared with the year before. Richard Horne, chief executive, said cybersecurity is now a matter of business survival and national resilience......
The Minister of State for Justice, Sarah Sackman KC, confirmed that a request for evidence had already been issued widely across the sector. She added that the government would release its conclusions in spring 2026. In 2021, the Civil Liability Act brought in significant changes to the process by which motorists who suffer minor whiplash arising from road collisions pursue third-party insurance claims. It mandated the submission of claims via a new digital portal instead of through the civil courts. The Act also established a fresh tariff for whiplash damages......
In this issue: Cases and Decisions Insurance types Reinsurance UK Regulation EU Regulation Cases tracker Dates for your diary New and updated content Latest Q& A Daily and weekly news alerts Lex Talk®Insurance: a Lexis®Nexis community Cases and Decisions Allseeds Switzerland SA v Intergrain SA The King’s Bench Division ( Commercial Court) dealt with a section 69 Arbitration Act 1996 appeal by the Claimant seller against a FOSFA Board of Appeal ruling linked to a CIF sale contract. The appeal turned on legal questions concerning CIF sellers’ obligation to supply effective insurance. The court concluded that buyers do not establish breach simply because insurers declined a claim asserting the policy was void or voidable; it must be shown that the policy was in fact void or voidable. Equally, pointing only to potential grounds on which...
Evergreen Marine Corp. ( Taiwan) Ltd, together with three claimants, contended in High Court proceedings that Lloyd’s, alongside other guarantors and underwriters, have failed to contribute their share towards the vessel’s salvage. The claimant cohort, which includes Evergreen Marine Asia Pte Ltd and Evergreen Marine ( Hong Kong) Ltd, asserted that Lloyd’s issued the general average guarantees associated with the ship. General average is a doctrine in maritime law intended to allocate, on an equitable basis, losses and expenses arising out of incidents at sea......
In its biannual report, the FCA said that banking and credit card issues were the biggest contributor to the rise, with close to 900,000 complaints, representing a 7.2% uplift on H2 2024. The FCA also noted that complaints about pensions and the withdrawal of retirement funds increased by 5.5% between January and June 2025 to 94,000, up from 89,100 in H2 2024. Investment-related complaints advanced by a little over 10% to 58,300, compared with 53,000 previously. The FCA said the figures are used to evaluate how firms treat their customers and to track changes in their performance over time......
Judge Andrew Keyser KC, sitting as a judge of the High Court, dismissed Equitas’s arguments, which had claimed it was entitled to retain reinsurance monies owed to Royal & Sun Alliance Insurance Ltd, together with Royal Insurance ( UK) Ltd and Royal & Sun Alliance Reinsurance Ltd, for settlements those entities had funded. Keyser held that Equitas was obliged to honour settlements concluded by the RSA businesses and determined that the RSA entities had not been negligent in disposing of the underlying asbestos, bodily injury and other claims. Royal Insurance Group—now RSA Insurance Group—issued proceedings against Equitas in 2023. The company stated it was reinsured by various underwriters at Lloyd’s of London and elsewhere in connection with an insurance programme for the industrial gas company BOC Group Plc. In 2009, various liabilities were transferred to Equitas......
Nikhil Rathi, the FCA’s chief executive, stated on 22 October 2025 that the fallout from such an attack could reverberate across the economy. He pointed to the costly cyberattack on Jaguar Land Rover at the beginning of September 2025. It remains uncertain whether the business held active cyber-insurance at the time of the event. Rathi said the Jaguar Land Rover cyber incident illustrated how a single shock can send ripples throughout the economy......
The CMC, a non-profit organisation that monitors digital attacks, reported an estimated range of losses for the incident of between £1.6bn and £2.1bn. The report notes this sum could climb if JLR’s systems have been substantially damaged, or if unanticipated holdups delay the restoration of output to what it was before the incident. It advises insurers, policy-makers and corporate boards to take stock of the event, the report states. Businesses, it adds, should evaluate their cyber insurance needs based on their supply chains and exposure to disruption, and recognise that operational disruption is the single largest cyber risk for most companies......
In this issue: Cases and decisions Insurance types UK Regulation Cases tracker Dates for your diary New and updated content Daily and weekly news alerts Lex Talk®Insurance: a Lexis®Nexis community Cases and decisions Managed Legal Solutions Ltd v Hanison (trading as Fortitude Law) In the Commercial Court, HDI Global Specialty SE’s bid to be joined as a second defendant to the claim by Managed Legal Solutions Limited against Mr Darren Hanison (trading as Fortitude Law) succeeded. The Court held HDI had a proper interest as Mr Hanison’s professional indemnity insurer, notably on the question of whether Fortitude owed MLS a standalone tort duty. It concluded the application engaged CPR 19.2, not CPR 19.6, because no limitation period affecting HDI had expired. Joinder was considered ‘desirable’ due to a conflict of interest between HDI and Mr Hanison (who had been...
The LMG, representing all London insurance firms, noted that businesses are starting to recognise how the Financial Conduct Authority ( FCA) and the Prudential Regulation Authority ( PRA) are shifting to meet their new aims. The two watchdogs are now tasked with lifting the financial sector’s relative competitiveness by cutting bureaucracy and tolerating greater risk. However, on 14 October 2025 the LMG stressed there must be ongoing scrutiny of both regulators to confirm they are fulfilling the mandate. Caroline Wagstaff, the LMG’s chief executive, said the FCA and PRA have ‘talked extensively’ about embedding a mindset of growth and competitiveness. ‘ Their......
A cohort of war‑risk reinsurers, advised by Holman Fenwick Willan LLP, contended in their High Court defence on 16 October 2025 that they have no duty to pay any form of contribution indemnity to Chubb, following a landmark decision resolving the fate of aircraft stranded in Russia. Chubb is pursuing the reinsurers for debt said to arise from a June 2025 judgment in a trial addressing liability for aircraft left in Russia after the country invaded Ukraine in 2022. The dispute focused on whether the loss of the aircraft engaged war‑risk insurance policies, which carry payout caps, rather than the broader all‑risks policies. A ruling by High Court Judge Christopher Butcher consequently left Chubb responsible for US$5.7m......
On 13 October 2025, Morningstar DBRS stated that insurers which have capped their exposure and adopted robust policy terms 'should absorb the shock'. First Brands entered formal bankruptcy proceedings on 29 September 2025 with an estimated US$11.6bn in liabilities. The failure has unsettled investors and heightened worries about a wider impact on the global economy. Trade credit insurance shields companies or their financial backers against non-delivery of goods or services arising from insolvency events......
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When evaluating a general damages claim, the practitioner ought initially to refer to the Judicial College Guidelines (JCG)...
This Practice Note This Practice Note reviews mechanisms used in settling litigation. A Tomlin order consists of a consent order paired with a schedule. It operates to stay proceedings on terms that have been agreed. The provisions contained in the schedule may remain confidential. This Practice Note describes the scope of confidentiality attaching to the schedule and sets out how it differs from a standard consent order. Sample wording for a Tomlin order is included, alongside links to precedents, as well as guidance on court approval. It also addresses varying, setting aside and enforcing a Tomlin order, including the considerations the court will take into account when handling applications for each. Further guidance is provided on interpreting and applying the relevant provisions of the CPR; however, some courts and divisions impose very specific requirements for both drafting and approval, and for approaching the schedule and confidentiality issues. Accordingly, you must consider the particular rules and court guide provisions in the forum where your claim is proceeding when drawing up the Tomlin order...
Date [ date ] Parties [ name of Landlord ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Landlord) [ name of Tenant ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Tenant) [ [ name of Guarantor ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Guarantor) ] [ [ name of Mortgagee ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Mortgagee) ] Definitions Within this Deed, the terms below shall be interpreted as follows: [ Annual Rent • the annual sum reserved under the Lease; ] [ Insurance Rent • the Tenant’s share of the Landlord’s costs of insuring the Property (as set out in the Lease); ] Lease • the lease of the Property dated [ date ], entered into between (1) [ the Landlord OR [ name ...
I, [ name ], of [ address ], solemnly and sincerely state that: [ Matters to be verified, set out in numbered paragraphs ] I make this solemn statement in good conscience, believing it to be true, and pursuant to the provisions of the Statutory Declarations Act 1835. DECLARED at [ details ] this [ day ] day of [ month and year ] Before me ................................................................................ [ signature of the person before whom the declaration is made ] A [ commissioner for oaths OR [ solicitor OR [ insert other qualification ] ] authorised to administer oaths ]...
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