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England and Wales Case Law

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Insurance law

Acasta European Insurance Company Limited v Rose Nat Eshiett & Ors

The High Court held that Acasta’s policy imposed an aggregate £1.5 million limit for claims relating to all flats in the apartment block, not separate limits per flat.

  • Composite insurance policies
  • Limits of indemnity
  • Contractual construction
  • Aggregate vs individual policy limits
  • Insurance-law
  • Contract-construction
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Insurance law [2026] EWHC 71 (Comm)

Acasta European Insurance Company Ltd v Eshiett & Ors

Acasta European Insurance Company Ltd v Eshiett & Ors [2026] EWHC 71 (Comm) (16 January 2026)

High Court construction dispute over structural defects cover for an apartment block: the judge held the policy imposed a ÂŁ1.5 million aggregate limit for the block.

  • Construction of insurance policies
  • Composite insurance policies
  • Limits of indemnity
  • Aggregate vs individual policy limits
  • Latent defects insurance
  • Insurance-law
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Insurance law [2025] EWHC 1870 (Comm)

Bath Racecourse Company Ltd & Ors v Liberty Mutual Insurance Europe SE & Ors

Bath Racecourse Company Ltd & Ors v Liberty Mutual Insurance Europe SE & Ors [2025] EWHC 1870 (Comm) (22 July 2025)

The Commercial Court held that the BHA and GBGB were competent authorities under a COVID-19 business interruption policy and addressed how the policy’s any-one-loss limit applied.

  • Business interruption insurance
  • Covid-19 pandemic
  • Policy construction
  • Denial of access cover
  • Composite policies
  • Limits of indemnity
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Insurance law [2024] EWCA Civ 1281

International Entertainment Holdings Ltd & Ors v Allianz Insurance Plc

International Entertainment Holdings Ltd & Ors v Allianz Insurance Plc [2024] EWCA Civ 1281 (28 October 2024)

Court of Appeal held the Secretary of State was not a “policing authority” under an NDDA business interruption clause, so the Covid-19 claims failed.

  • Business interruption insurance
  • Policy interpretation
  • Non-damage denial of access
  • Covid-19 pandemic
  • Limits of indemnity
  • Business-interruption-insurance
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Insurance law

Spire Healthcare Ltd v Royal & Sun Alliance Insurance Plc

The Court of Appeal held that an insurance policy proviso aggregated multiple medical negligence claims arising from one source or original cause, limiting recovery to ÂŁ10 million.

  • Policy construction
  • Aggregation clauses
  • Limits of indemnity
  • Insurance-law
  • Contract-construction
  • Aggregation-clauses
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Insurance law

Spire Healthcare Ltd v Royal & Sun Alliance Insurance Plc

The court held that an insurance policy provision aggregated linked medical negligence claims for cover, limiting them to £10m, but not the insured’s contribution.

  • Interpretation of insurance policy
  • Aggregation clauses
  • Limits of indemnity
  • Deductibles and insured's contribution
  • Insurance-law
  • Contract-interpretation
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England and Wales decisions are organised by court, judge, legal area and indexed issue so a practitioner can move from a proposition to a citable authority with the surrounding context intact.