Contents:

Insurance and the Law The Special Nature of Insurance Law European Union Influence Insurance and the Fault System Insurance Intermediaries Professional Broker or Mere Agent? Imputation of Knowledge Broker’s Entitlements to Commission Broker’s Rights and Duties in relation to Premium Broker’s Liability for Policy Wording Broker’s Liability for the Proposal Form Personal Liability of Broker’s Employees Date of Accrual of Right of Action against a Broker Judgement Extracts Chapman(J.A.) & Co Ltd (In Liquidation) v Kadirga Denizilick Ve Tiscaret & Others; Same v Chios Breeze Marine Company (1998) Lloyd’s Rep. IR.377 Pangood Ltd v Barclay Brown & Co Ltd., Bradstock Blunt & Thompson Ltd. Third Party (1999) Lloyd’s Rep IR 405 FNCB v Barnett Devanney (Harrow) Ltd. (1999) Lloyd’s Rep. IR 459 Court of Appeal J.W.Bollom v Byas Moseley & Co Ltd. (2000) Lloyds Rep. IR 136 (QBD) William John Knapp; Denise Knapp v Ecclesiastical Insurance Group plc and David Smith (trading as David Smith Insurance Brokers) ( 1998) Lloyd’s Rep. IR 390 ‘Utmost Good Faith’ and Duty of Disclosure Duty of Disclosure Waiver of Breach of Duty Honest Belief in Answers Inserted on Proposal Waiver of Breach by Conduct Duty to Disclose Previous Convictions Insurers’ Duty of Disclosure Duty may be Amended by Policy Terms The Continuing Duty of Utmost Good Faith Judgement Extracts Economides v Commercial Union Assurance Co. plc (1998) Lloyd’s Rep IR 9 Callaghan and Hedges v Thompson & Others and Anderson Insurances Services Ltd. (2000) Lloyd’s Rep 9. Manifest Shipping Co. Ltd. v Uni-Polaris Shipping Co. Ltd. & Others (The Start Sea)(2001) Lloyd’s Rep IR 247 K’s Merc-Scandia v Certain Lloyd’s Underwriters, Ocean Marine Insurance Co. Ltd. & Others (2001)Lloyds Rep IR, 802 General Principals of Insurance Subrogation – Rights of Insurers Allocation of Subrogation Recoveries Subrogation and Contractual Indemnities Contribution Insurable Interest Judgement Extracts Caledonia North Sea Ltd. V London Bridge Engineering Co. and Others (2000) Lloyd’s Rep IR. 249 Bovis Construction Ltd. & Another v Commercial Union Assurance Co. plc (2001) Lloyd’s Rep. IR.321 David Cowan v Jeffrey Associates and Others Unreported, Scots CS, 11 March 1998 Policy Terms and Conditions Classification of Conditions Claims Notification Condition Claims Co-operation Condition Reasonable Care Condition Arbitration Condition Cancellation Condition Fraud Condition Exaggeration of Loss Continuing Duty of Good Faith Affirmation, Waiver and Estoppel in the context of Fraudulent Claims Warranties Insurer’s Right to Notice Judgement Extracts Superwood Holdings plc v Sun Alliance plc and Others (1995) 2 IR 303 Amey Properties v Cornhill Insurance plc (1996) LRLR 259 Superwood Holdings plc v Sun Alliance and London Insurance plc (1995) 3 IR 303 Bernard Doyle v Irish National Insurance Co. Ltd. (1998) ILRM 502 Superwood Holdings plc v Sun Alliance and London Insurance plc (1995) 3 IR 303 Michael Fagan v General Accident Fire and Life Assurance Corporation plc Unreported, Supreme Court, 11 October 1998 Superwood Holdings plc v Sun Alliance and London Insurance plc (1995) 3 IR 303 Baghbadrani v Commercial Union Assurance Co. plc (2000) Lloyd’s Rep IR 94 LEC (Liverpool) Ltd v Grover (T/A Rainhill Forge); Prudential Assurance Co. Ltd (1999) Lloyd’s Rep. IR. 315 Printpak v AGF Insurances Ltd. (1999) Lloyd’s Rep. IR. 542 Kler v Lombard General Insurances Co. Ltd. (2002) Lloyd’s Rep. IR 46 Superwood Holdings plc v Sun Alliance and London Insurance plc (1995) 3 IR 303 Fagan v General Accident Fire & Life Assurance Corporation plc Unreported, Supreme Court, 14 October 1998 Policy Interpretation Rules of Interpretation Joint and Composite Policies Co-insurance and Good Faith Judgement Extracts First National Commercial Bank plc v Barnet Devanney (Harrow) Ltd. (1999) Lloyd’s Rep. IR 43 Third Party Rights against Insurers Privity of Contracts Insurers’ Duty of Care Insurer’s Duties in relation to collection of Premium Judgement Extracts Wildgust and Another v Governor and Company of the Bank of Ireland and Norwick Union Life Assurance Society, Unreported, High Court, 28th July 1998 Motor Insurance Compulsory Insurance and EU Law MIBI and EU law in Conflict Contributory Negligence of Passengers Liability of Injury Caused by a Deliberate Act Disposal of Insured Vehicle Judgement Extracts Patrick Kinsella v The Motor Insurers Bureau of Ireland. Unreported, Supreme Court, 2 April 1993 Daniel Curran v Mary Gallagher, Joseph Gallagher and The Motor Insurance Bureau of Ireland Unreported, Supreme Court, 7th May 1997 Mighell v Reading; Evans v Motor Insurance Bureau, White v White (1999) Lloyd’s Rep IR 30 CA White v White (2001) Lloyd’s Rep. IR 493 HL Storebrand Skadforsikring AS v Finanger (2000) Lloyd’s Rep. IR. 462 Charlton and Fisher and Churchill Insurance (2001) Lloyd’s Rep. IR. 387 Dodson v Peter H Dodson Insurance Services (2001) Lloyd’s Rep. IR. 278 Liam Rothwell v Motor Insurancers Bureau of Ireland Unreported, High Court, 6 July 2001 Liability Insurance and Compensation Systems of Compensation Levels of Compensation Loss of Earnings Hospital Charges Deductibility of Insurance Benefits Liability for Nervous Shock Liability for Fire Liability for Fire Authorities Liability for Sports Injuries Limitation of Actions and Insurance Claims Judgement Extracts Brendan McEneaney v County Council of Monaghan and Coillte Teo Unreported, High Court, 26th July 2001 Michael Hogan v Steele & Co Ltd. And ESB (Notice party) Unreported, Supreme Court 1 November 2000 Murphy v Minister of Defence Unreported, Supreme Court, 19th July 2000 Curran v Cadbury (Ireland) Ltd. Unreported, Circuit Court, 17 December 1999 Ribee v Norrie Unreported, Court of Appeal, 2 November 2000 Michael Cullinane v Waterford County Council (2000) Irish Law Times No. 4 Desmond Ryan v Michael Connolly & Another Unreported, Supreme Court, 31 January 2001. Public Liability Insurance Insurers’ Liability for Costs VAT on Costs Financial Loss Products Liability Insurance Claims Made Policies Liability of Defective Products Act 1991 Judgement Extracts Robert Irving & Burns v Stone (1998) Lloyd’s Rep. IR. 258 J.Rothchild Assurance plc v Collyear and Others (1999) Lloyd’s Rep. IR 6 Professional Liability The Duty of Care Defence Costs Personal Liability of Employees Judgement Extracts David & Bernard Holt v Payne Skillington & De Groot Collis Unreported, Court of Appeal (Civil Division) 18 December 1995 Employers Liability Recent Developments Vibration White Finger Environmental Tobacco Smoke Stress Post Traumatic Stress Disorder Repetitive Strain Injury Asbestos-related Disease Claims Employers’ Vicarious Liability Judgement Extracts Young v Charles Church (Southern) Ltd. Unreported, Court of Appeal, 24 April 1997 Mughal v Reuters Ltd. (1993) IR LR 571 Sammon v Flemming GMBH Unreported, High Court, 23 November 1993 Walker v European Components Corporation Unreported, High Court NI 1996 Dympna Whoriskey v Wm. P McCarter & Co. Ltd. t/a Fruit of the Loom, Unreported. High Court, 7 November 1994 Paul Bolger v Queally Pig Slaughtering Ltd., Unreported,High Court, 8 March 1996 Margereson v J W Roberts Ltd. Hancock v J W Roberts Ltd. Unreported, Court if Appeal, 16 April 1996 Fennelly v Connex Unreported, Court of Appeal 11 December 2000 McSweeney v McCarthy Unreported, Supreme Court, 28 January 2000 Employers’ Liability Insurance Compulsory Insurance The Potential Liability of Supervisors Obligation to Insure Claims in Tort from Transferred Employees Judgement Extracts Samuel Shinkwin v Quin-Con Ltd. and Nicholas Quinlan Unreported, Supreme Court, 21 November 2000 James Kelly v Michael McNamara Unreported, High Court, 5 June 1996 Bernadone v Pall Mall Services Group and Others: Martin v Lancashire County Council (2000) IR LR 487 Material Damage Insurance The Measure of Indemnity Theft Flood Judgement Extracts Strung v Royal Insurances (UK) Ltd.(1999) Lloyd’s Rep. IR.111 Rohan Investments Ltd. v P Cunningham Unreported, Court of Appeal, 20 January 1998 Business Interruption Insurance Material Damage Proviso Insured’s Duty to Minimise Loss Judgement Extracts Sheehan v FBD Insurance plc. Unreported, Supreme Court, 20 July 1999 Superwood Holdings plc & Others v Sun Alliance & London Insurance plc & Others Unreported, High Court, 4 April 2001