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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

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.


Legal updates

English Commercial Court considers scope of U.S. sanctions exclusion clause

In the context of sanctions and heightened tensions in the Middle East and Russia, the recent Mamancochet judgment is important and will be of interest to insurers who insure businesses that are exposed to risks in these markets.


Legal updates

How clear are your policy wordings?

The University of Nottingham, in collaboration with Browne Jacobson, have undertaken a detailed academic study into the readability of insurance policies, with some fascinating results.


Legal updates

Court of Appeal rules on relevant ‘knowledge’ required under s.14A of the Limitation Act

A recent Court of Appeal judgment on 16 May 2018 considered the test for relevant ‘knowledge’ within section 14A of the Limitation Act. The Appellant was appealing against a decision granting the Respondents summary judgment on the basis that the claims against them in negligence and for breach of contract were time barred.


What the directories say...

Recent experience

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Jonathan Newbold

Jonathan Newbold

Partner and Head of Financial Services & Insurance

View profile