Welcome to Scribd, the world's digital library. Read, publish, and share books and documents. See more
Standard view
Full view
of .
Save to My Library
Look up keyword
Like this
0 of .
Results for:
No results containing your search query
P. 1
QBE Technical Claims Brief - July 2010

QBE Technical Claims Brief - July 2010

Ratings: (0)|Views: 2 |Likes:
Techical claims brief
Techical claims brief

More info:

Published by: QBE European Operations Risk Management on Jul 11, 2013
Copyright:Attribution Non-commercial


Read on Scribd mobile: iPhone, iPad and Android.
download as PDF, TXT or read online from Scribd
See more
See less





Technical claims brief
Monthly update – July 2010
Technical claims briefMonthly update July 2010News 1
£400,000 Fine for retailer breaching fireregulations 1Irish insurer faces high cost of rural hazard 1
Credit hire 2
Commercial enterprises, need for hire:Beechwood Birmingham Ltd v HoyerGroup Ltd Court of Appeal 2010 2
Fraud 3
Overstatement of claim, entire claim forfeit:Farid Yeganeh v Zurich Plc High Court 3Surveillance evidence exposes grossexaggeration of symptoms: Singh vO’Shea - High Court 2010 4
Indemnity 5
Broker’s duty to satisfy itself that clientsunderstand duty of disclosure, loss of chance: Jones v Environcom Ltd,Environcom England Ltd and MS PLC(T/A Miles Smith Insurance Brokers)(Third Party) High Court 2010 5
Liability 6
 Asbestos, breach of duty, reasonablypractical steps to prevent exposure:Reynolds v Secretary of State for Energyand Climate Change High Court 2010 6Main contractor partially liable for failing tosupervise sub-contractor: Andrew Swain vGeoffrey Osborne Ltd and PJ Brown LtdHigh Court 2010 7
 Technical claims brief, monthly update – July 20101
News£400,000 Fine for retailerbreaching fire regulations
Clothing retailers New Look wereprosecuted for multiple offences underthe
Regulatory Reform (Fire Safety) Order  2005
following a serious fire in 2009 at theirOxford Street premises. The building had tobe cleared and there was disruption to thesurrounding area but fortunately no one wasinjured. The defendants had failed to deal with anumber of deficiencies identified in thestore’s pre-Order fire Certificate issued in2000, there was no suitable assessment of the fire risks and they had failed to ensurethat employees had adequate safetytraining. The judge at first instance having consideredthe seriousness of the breaches and thelarge turnover of the defendants found thata fine of £600,000 would be appropriatediscounted to £400,000 to reflect the earlyadmission of guilt. The defendants appealed arguing that the judge had failed to give sufficient weight tothe fact that the breaches of the regulationshad not caused the fire and had not led toany death or injury. The Court of Appealhowever had little sympathy for thesearguments. The fine was a reflection of thevery serious risk to members of the publicand employees of the store caused by thebreaches and the defendants should notbenefit from a purely fortuitous absence of casualties. 
“...the court does not have to wait until death or serious injury hasoccurred to express its displeasure at wholesale breaches of thedefendant’s responsibilities.....”
Lord Justice Pitchford 
Comment: The courts have in recent times shown an increasing willingness to impose severe fines for breaches of health and  safety regulation. The Court of Appeal  has made it plain that a defendant cannot escape simply because no injuries or damage have actually resulted from their  breaches.
Irish insurer faces high cost ofrural hazard
 The Irish Independent has reported aone million Euro out of court settlementpaid by Irish Insurer FBD to an unnamedmotorcyclist who suffered permanentdisability when his motorcycle skidded oncow dung left on the road. The dung hadoriginated from FBD’s policyholder’s cattleand had allegedly caused or contributed tothe accident.FBD has urged farmers to make andmaintain clear contractual arrangementswith contractors as to who is responsible forclearing the highway of farm waste, mud orother hazards and to bear in mind their legalresponsibilities not to endanger users of thehighway.
Comment: This case highlights the danger to motorists of material left on the highway  and the potential cost to those responsiblefor depositing it. This applies equally well inUK jurisdictions and to building contractors and others who may leave a road surface in an unsafe condition.

You're Reading a Free Preview

/*********** DO NOT ALTER ANYTHING BELOW THIS LINE ! ************/ var s_code=s.t();if(s_code)document.write(s_code)//-->