0370 270 6000

Insurance coverage disputes and policy interpretation


When coverage disputes arise they can bring with them reputational and commercial risks. Our specialist team of coverage lawyers focus on providing clients with an early accurate assessment of the likely outcome so that only the right battles are fought.

We take a pragmatic and commercial approach to coverage investigations and advise in the context of our clients’ claims philosophies and their regulatory responsibilities.

We have considerable experience of advising insurers on policy interpretation issues that impact upon large volumes of claims across entire books of business. Our lawyers work closely with our specialist claims analysts to map potential exposure in a user friendly way so that our clients’ senior management teams can take informed decisions about strategy and reserves.

What we do...

  • Non-disclosure, materiality, misrepresentation and avoidance.
  • Validity and scope of ‘blanket’ circumstantial notifications.
  • Waiver, affirmation, estoppel and reservations of rights.
  • EL compulsory insurance and restrictions on policy wording.
  • Breach of claims behaviour conditions.
  • Scope and meaning of policy exclusions.
  • Impact of various professional indemnity ‘Minimum Terms’ regimes (e.g. SRA, ICAEW and RICS).
  • Motor insurance issues - including, Road Traffic Act, declarations, and Article 75.

Related resources

Legal updates

Court of Appeal confirms exclusive English jurisdiction clause in excess liability policies in Canadian pipeline dispute

On 10 June 2022 the Court of Appeal upheld an anti-suit injunction granted in favour of insurers by Mr Justice Jacobs in September 2021 restraining proceedings from being brought in Canada and enforcing the exclusive English jurisdiction clause in excess liability policies.


Legal updates

Non-payment of insurance premiums during the Coronavirus pandemic

The forced closure of many businesses as a result of the Coronavirus pandemic has had a huge impact on the nation’s Gross Domestic Product (GDP). Recent reports from the Office for National Statistics state that the economy was 25% smaller in April than it was in February this year.


Published articles

No such thing as an accident?

Sometimes it can feel as though there is no such thing as an accident anymore…


Legal updates

Clarification by the court on causation and loss in brokers negligence claims

The UK court has recently clarified the law in relation to causation and loss in broker’s negligence claims in the case of Dalamd Limited v Butterworth Spengler Commercial Limited [2018] EWHC 2558.


What the directories say...

Recent experience

Related opinions

Jonathan Newbold

Jonathan Newbold

Partner and Head of Financial Services & Insurance

View profile