Featured documents
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 Sole traders, informal partnerships and outdated partnership deeds are common.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
Most recent News
On 6 May 2025 at the High Court, Judge Bryan Fraser said that a row over whether administrators of Greensill’s German bank unit can claim on a policy issued by Zurich Insurance Co Ltd will proceed in October 2027. The 11-week hearing will also feature separate claims targeting Lex Greensill and Sanjeev Gupta, the metals tycoon who was once a key customer of Greensill’s collapsed finance enterprise. Allegations have been made that Greensill and Gupta worked together to mislead Zurich underwriters about purportedly sham receivables. Greensill Capital, founded by the financier in 2011, advanced funds to clients, taking their suppliers’ invoices as security before packaging the loans into securities sold on to investors. The supply chain finance business failed in 2021, prompting creditors to scramble to recover billions of pounds in vanished assets. Since then it has drawn scrutiny from...
In this issue: Cases and decisions Insurance types UK regulation EU regulation International regulation Financial crime and sanctions Cases tracker Dates for your diary Daily and weekly news alerts Lex Talk®Insurance: a Lexis®Nexis community Cases and decisions Makin (by his mother and litigation friend) v The Restaurant Muse Ltd and others This appeal arose from a dispute about policy coverage. The court concluded that: The insured ( Second Defendant) did not meet the policy’s notification requirements by failing to promptly inform the insurer ( Third Defendant) of the incident and ensuing claim. Those notification provisions were conditions precedent to cover, allowing the insurer to refuse indemnity due to the breach. The prior judgment fixing the insured’s liability to the Claimant bound the insurer under the Third Parties ( Rights Against Insurers) Act...
Arthur J Gallagher noted on 21 April 2025 that pricing was easing as competition in the market intensified, even after several significant losses in early 2025. Underwriters may have to pay as much as US$300m in potential payouts after the North Sea collision in March 2025 involving the container vessel Solong and the oil tanker Stena Immaculate. Gallagher also cautioned that machinery repair claim costs were climbing steadily amid broader global inflation. ' Broad-based rate cuts, together with rising claim expenses, can......
In this issue: Cases and decision Insurance types EU Regulation International Regulation Cases tracker Dates for your diary New and updated content New Q& A No Weekly Highlights on 24 April 2025 Daily and weekly news alerts Lex Talk®Insurance: a Lexis®Nexis community Cases and decision WTGIL Ltd v Revenue and Customs Commissioners [2025] EWCA Civ 399. This dispute addresses the VAT treatment of a component within a niche motor insurance product targeted largely at motorists aged 17–25. A defining aspect of the cover is the compulsory installation of an in‑car electronic unit that captures and transmits driving data. The appeal to the Court of Appeal ( Civil Division) followed the Upper Tribunal’s refusal of WTGIL Limited’s (formerly Ingenie Limited) challenge to a First‑tier Tribunal ruling. The First‑tier Tribunal had concluded that Ingenie could not reclaim input VAT arising from the supply and fitting of telematics devices (“ Devices”) in vehicles of...
Arthur J Gallagher Insurance Brokers Ltd must pay Watford Community Housing Trust A High Court ruling dated 8 April 2025 holds that Arthur J Gallagher Insurance Brokers Ltd is liable to Watford Community Housing Trust for any loss exceeding the £6m already recovered under the trust’s insurance programme. David Bailey KC, sitting as a deputy judge, concluded that, unless a policy expressly provides otherwise, there is no general legal rule that, in situations of double or multiple insurance, a doctrine of rateable proportion restricts each insurer’s liability to its policyholder. The dispute arose after a Watford Community Housing staff member inadvertently released personal information concerning more than 3,500 tenants and employees in March 2020. Gallagher had placed the trust’s relevant cover, underwritten by Pen, QBE and Hiscox, to respond to losses stemming from a data breach of this nature....
Aviva reported that 2024 saw a rise, driven in part by the higher cost of living, coming on the back of a 39% uplift in 2023, Aviva said. Most false claims overall involved motor insurance fraud, including deliberate personal injury scams, the overstatement of injury, and dishonest claims for vehicle damage. Pete Ward, head of claims counter fraud at Aviva, said ongoing investment in advanced analytics, machine learning models, and continual staff training has significantly improved fraud detection rates. He added they expect this trend to carry on amid persistent economic hardship, which they recognise as a factor prompting some to commit insurance fraud. In 2024, Aviva paid £29.3bn in claims and benefits to its customers......
In this issue: Insurance types Premium Insurance claims: Fraud and dishonesty UK regulation EU regulation Cases tracker Dates for your diary New and updated content Daily and weekly news alerts Lex Talk®Insurance: a Lexis®Nexis community Insurance types Cyber Munich Re reported on 4 April 2025 that the cyber insurance sector is projected to more than double by 2030, with an annual growth rate above 10%, despite muted expansion since 2023. See: Cyber insurance market to double by 2030, Munich Re says. Premium On 4 April 2025, experts cautioned that new US trade tariffs could oblige UK insurers to implement price rises, amid the prospect of higher claims costs. See: UK insurers could push through price hikes from tariffs. Insurance claims: Fraud and dishonesty Aviva PLC disclosed on 8 April 2025 a 14% year-on-year increase in suspected fraudulent UK claims for 2024,...
Worldwide cyber insurance premiums amounted to US$15.3bn in 2024 and are projected to rise to US$16.3bn in 2025, per the reinsurance specialist’s estimates and outlook. Munich Re’s data indicates this could climb to US$32bn or higher by 2030, according to its data too. ' With ongoing digitalisation, safeguarding against one of the gravest risks to the economy and society is increasingly vital,' said Thomas Blunck, chief executive of reinsurance. ' Yet many organisations still do not have sufficient defences and insurance in place.'......
The Lloyd's Market Association ( LMA), an industry body, warned that tariff-driven rises in the cost of fixing equipment and facilities may see the burden ultimately shifted to policyholders. The insurance sector is becoming ever more sensitive to trade volatility, particularly across personal-lines offerings such as motor vehicles, which rely on low-cost supplies of car parts to keep repair costs down today......
In this issue: Ukraine Conflict Coronavirus ( COVID-19) business interruption Types of insurance Insurance claims: Fraud and dishonesty UK regulation EU 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 The European Bank for Reconstruction and Development ( EBRD) unveiled a wartime insurance scheme, projected to offer as much as €1bn of annual protection in cover for Ukraine’s exports each year. See: EBRD launches €1bn insurance facility for Ukrainian exports. Coronavirus ( COVID-19) business interruption The company behind the Dirty Martini cocktail bar chain has resolved its £4m claim with a Maltese insurer over losses said to have arisen during the coronavirus ( COVID-19) pandemic. See: Cocktail bar chain settles £4m COVID-19 loss insurance claim A law firm cautioned on 1 April 2025 that insurance brokers now have under a year remaining to submit claims on behalf of their clients for business losses stemming from the...
Howden Re, a London-headquartered insurer, stated on 28 March 2025 that the regions most affected by the magnitude-7.7 earthquake were expected to have 'very low insurance penetration'. By 31 March 2025, the death toll had climbed to 1,700. The US Geological Survey estimated the total could reach 10,000 in Myanmar alone, with economic losses potentially overtaking the nation’s gross domestic product, which was about US$66.7bn in 2023. Andy Souter described the situation as 'a significant human tragedy'......
Ukraine Recovery and Reconstruction Guarantee Facility On 31 March 2025, the bank reported that as much as €5m of protection had already been placed via the Ukraine Recovery and Reconstruction Guarantee Facility. The scheme allows insurers operating in Ukraine to transfer exposure to the global reinsurance market, thereby making cover available for threats that would otherwise be uninsurable. The EBRD noted in a statement that, after Russia’s full-scale invasion of Ukraine in February 2022, most international reinsurers exited the market, sharply curtailing local Ukrainian insurers’ reinsurance capacity......
Fenchurch Law Ltd Fenchurch Law Ltd has stated that the limitation window for business interruption claims connected to the coronavirus pandemic ends in March 2026. The firm issued this alert after several landmark test cases concluded in the Court of Appeal, with outcomes largely in favour of policyholders. Joanna Grant, managing partner at Fenchurch, cautioned that for some businesses the road ahead could be lengthy, and urged brokers to start conversations with clients now, well before the liability period expires. Five years of often-intense......
Two units of restaurant group CG Restaurants ( Holdings) Ltd have reached confidential settlement terms with QIC Europe Ltd, the insurer, per a Tomlin order dated 26 March 2025. The order, endorsed by High Court Judge Richard Jacobs, pauses the action pursued by DC Bars Ltd and Tuttons Brasserie Ltd against QIC, arising, as claimed, from the insurer’s purported refusal to indemnify losses incurred after the government directed businesses to close across three identified lockdowns......
On 28 March 2025, the Association for Consumer Support Organisations ( ACSO) stated that the 2021 changes brought in by the Civil Liability Act amounted to a ‘stitch up’ between the government and the insurance industry. The Act, introduced in 2021, made significant alterations to the way motorists with minor neck whiplash from road traffic accidents pursue third-party insurance claims. It required that claims be submitted via a new online portal rather than through the civil courts, and also set out a new tariff for compensation relating to whiplash injuries......
In a decision issued on 24 March 2025, Employment Judge Richard Wood held that Lancaster Gate Assistance Ltd had not penalised Mikhail Winter for reporting suspected unlawful conduct, as he had merely raised the points informally with the forger rather than alerting senior staff who could carry out a proper investigation. The court found that the proof of any disclosures was too imprecise and lacked consistency overall in the evidence presented. Judge Wood emphasised that, for this sort of claim, a claimant must do more than make very broad assertions that disclosures were made. Winter worked on claims at the business from March 2023 before resigning seven months later. The judgment records that he alleged managers treated him unfairly after he said his line manager had been forging signatures and stamping cheques with incorrect dates......
In this issue: Ukraine conflict Cases and decisions Types of insurance 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 Insurer MS Amlin to write €110m for Ukraine war facility Law360, London: Lloyd's of London carrier MS Amlin confirmed on 21 March 2025 that it will provide up to €110m of reinsurance through to 2030, backing war-risk covers placed by three Ukrainian insurers. See: Insurer MS Amlin to write €110m for Ukraine war facility. Cases and decisions Doroudvash v Zurich Insurance Plc and another This ruling by His Honour Judge Holmes deals with two applications: Zurich Insurance sought contribution or indemnity from the Commissioner of Police for losses linked to a road traffic collision involving a serving officer; and Police Constable Doroudvash applied to add the...
Motorists are currently paying £164 less than in 2024, when the average premium was £941, based on the newest figures released alongside price comparison website Confused.com. According to the report, this represents the largest year-on-year percentage fall since 2014 and continues the downward movement in rates that started in the first quarter of 2024. Tim Rourke at WTW noted that insurers have been able to recalibrate pricing and pass on savings to policyholders because claim frequencies were lower in the first quarter of 2025, coupled with reductions in average repair damage costs. Prices have trended lower since early 2024......
Global M& A rebound drives insurance boom, UK broker says The insurance broker and risk advisory firm stated that it had arranged transactional risk insurance limits — the highest amount payable — totalling US$67.8bn in 2024, a 38% increase on 2023. Marsh also said that analysis contained in its report, ' Transactional risk insurance 2024: Year in review', indicates companies are increasingly seeking deal cover through both representations and warranties, and warranty and indemnity insurance across sectors, accompanied by a significant rise in tax insurance. ' As M& A activity rebounded in 2024, transactional risk insurance remained a vital tool for mitigating risk and enhancing deal certainty', Marsh said in a statement. The full global number of insured deals is not currently publicly available. But the world’s largest insurance broker, Marsh plc, reported placing insurance for more than 1,600 individual...
The company reported, in total, settling slightly above £1.3bn across upwards of 52,000 claims for customers and relatives holding individual protection policies in 2024 during the year. The majority of Aviva’s payouts related to life cover, incorporating terminal illness benefits. It added that a further £559m-plus was disbursed by Aviva to upwards of 9,300 claimants under group protection policies......
Popular documents
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 ]...
Discover more from LexisNexis
