Our Insurance Services

OPTIS/QBE – Some Good News for Policyholders

Following almost one year of wrangling, we are today in receipt of correspondence from QBE in respect of their OPTIS-arranged policies, admitting liability for losses that arise on foot of restrictions imposed to control the spread of COVID19. QBE’s European Operations advised: “As you may be aware, recent Court decisions, including cases brought by Hyper Trust and others against the…

FBD Public House Policy – Judgement (Final)

It took an inordinate length of time for FBD Insurance to confirm that liability did attach to their FBD Pubic House Policy in respect of business interruption losses that arose from the outbreak of disease [Covid19]. Even now, the final (quantum) module of the ‘test case’ has only recently been heard in the High Court and the judgement therefrom is…

UK Supreme Court Decision in the ‘FCA’ Case Delivered

The UK Supreme Court has delivered it’s judgement in the Appeal by the Insurers and the FCA in respect of the ‘FCA’ case. Background The original High Court hearing was a ‘test case’ to determine the extent of cover (or not) for business interruption arising as a result of occurrences/outbreaks of Covid 19. Such interruptions typically followed orders made by…

Update – FBD Test Cases – Judgement Deferred

FBD Public House Policyholders will be aware that the question as to whether FBD were entitled to avoid liability – in respect of claims arising on foot of business interruption [due to Covid19] – has been the subject of so-called ‘test case’ litigation before the Commercial High Court. The Justice was due to deliver his judgement on the 15th of…

Business Interruption – An End in Sight?

It was (and remains) our view that most commercial insurance policies will not (necessarily) respond to business interruption losses caused by the outbreak of disease. Many policies were absent any ‘disease’ extension to the business interruption cover, others required there to have been an outbreak of the disease at the premises. There were, however, other policies which could be said…

Domestic Buildings – Sums Insured

Aren’t Eircodes great! We all remember the criticism circulating at their launch, headline in the Irish Times: “Eircode: there goes another €38m down the drain.”  However, those of us born without an internal compass can now pop a code into a screen and via the wonder of satellite and computing technology arrive at the door of a new property claim,…

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