Acasta European Insurance Company Limited v Rose Nat Eshiett & Ors

Acasta European Insurance Company Limited v Rose Nat Eshiett & Ors

On proper construction of the insurance policy wording, the limit of indemnity for all claims relating to all residential properties in one continuous structure is an aggregate limit of £1,500,000 (index linked), not individual limits per flat.

Parties
Claimant: Acasta European Insurance Company Limited; First Defendant: Ms Rose Nat Eshiett; Second Defendant: Prime Metro Properties (UK) Ltd; Third Defendant: Crescent Moon Properties Ltd; Fourth Defendant: Mrs Alexandra Druzhinin; Fifth Defendant: Mr Daniel Bruce
Jurisdiction
England and Wales
Judgment Date
16 January 2026
Procedural Posture
Civil (insurance Contract Construction) / Trial Judgment
Outcome
Declaration granted in favour of Claimant
Legal Topics
Composite Insurance Policies, Limits of Indemnity, Contractual Construction, Aggregate Vs Individual Policy Limits
Insurance Law Contract Law Composite Insurance Policies Limits of Indemnity Contractual Construction Aggregate Vs Individual Policy Limits

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Parties

Acasta European Insurance Company Limited

Claimant

Ms Rose Nat Eshiett

First Defendant

Prime Metro Properties (UK) Ltd

Second Defendant

Crescent Moon Properties Ltd

Third Defendant

Mrs Alexandra Druzhinin

Fourth Defendant

Mr Daniel Bruce

Fifth Defendant

Procedural Posture

Civil (insurance Contract Construction) / Trial Judgment

Legal Issues

  1. 1 Whether the insurance cover provides an aggregate limit of indemnity for all flats in the apartment block or individual limits per flat
  2. 2 Proper construction of the insurance policy wording regarding limits of indemnity

Ratio Decidendi

On proper construction of the insurance policy wording, the limit of indemnity for all claims relating to all residential properties in one continuous structure is an aggregate limit of £1,500,000 (index linked), not individual limits per flat.

Court Disposition

Declaration granted in favour of Claimant

Orders

  • Declaration that the limit of indemnity payable by Acasta under the policy in respect of the apartment block at 53 Agar Grove, London NW1 9UE is £1,500,000 (index linked) only.
  • Costs and consequential matters reserved for further submissions.