PC (Trinidad and Tobago) The policy holder claimed under fire policies. The insurers said he had started the fires deliberately, and had failed to give sufficient particulars of his claim. The insurers now appealed the reveresal at appeal of the finding that the insured had started the fires himself.
Held: The evidence suggested the seat of the fire had only been accessible to someone with keys. The clauses requiring disclosure under the three policies should be read together so that a failure to responde adequately to questions under one policy vitiated the responses under the others. There was in reality one claim. The appeal was upheld.
Judges:
Lord Bingham of Cornhill, Lord Nicholls of Birkenhead, Lord Hope of Craighead, Lord Hutton, Sir Ivor Richardson
Citations:
(Appeal No 57 of 1999), [2000] UKPC 50
Links:
Commonwealth, Insurance
Updated: 06 June 2022; Ref: scu.174685