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Practice overview
Tom Bell is a highly experienced junior, specialising in commercial, professional negligence and insurance disputes. Tom is sought after for both his courtroom skills and advisory work. Clients value his commercially minded advice, attention to detail and tactical acumen.
Tom is a contributor to Paul Reed KC’s Construction All Risks Insurance (Sweet & Maxwell) Construction Professional Indemnity Insurance (Sweet & Maxwell) and the loose-leaf Insurance Broking Practice and Law (Informa).



Areas of expertise
- Commercial dispute resolution
- Banking & finance
Banking & finance
Tom is regularly instructed on behalf of and against banks and finance houses. A large proportion of his work in this area involves disputes arising from asset-finance agreements and guarantees (often relating to motor vehicles). He is also experienced in consumer law, regularly representing banks and other financial institutions facing allegations of loans being unenforceable under the Consumer Credit Act, as well as loans and other financial products being mis-sold.
Tom has extensive experience of mortgage-related disputes, principally contested possession claims involving such issues as undue influence and forged deeds.
Examples of Tom’s banking & finance work
- Updating a finance house’s standard terms and conditions for a suite of contracts (both regulated and unregulated)
- Assisting a finance house in the drafting of documentation for its consumer lending division
- Skelwith (Leisure) Ltd and others v Armstrong and others [2015] All ER (D) 98 (Oct)
Tom acted (led by Brie Stevens-Hoare KC) for the Claimants in a summary judgment/strike-out application concerning the validity of a sale by the assignee of a legal mortgage. The case raises important issues concerning the construction of certain provisions of the Law of Property Act 1925 and the Land Registration Act 2002. - Chatfields-Martin Walter Ltd v Lombard North Central PLC [2014] EWHC 1222 (QB):
Tom successfully represented a motor dealership in an important appeal concerned HPI, the well-known hire purchase information service. Leggatt J said that his case was “extremely well argued”. - Waite v Paccar Financial PLC [2012] EWCA Civ 901 (CA):
Second appeal in the Court of Appeal concerned the construction of a lease purchase agreement. McFarlane LJ praised Tom’s “helpful and clear submissions”. - Appearing in the Court of Appeal (on a second appeal) for a finance house against the lessee of a commercial lorry. The claim, brought under a contractual indemnity, was for the loss suffered in connection with a claim by the third party (another finance house) who bought the lorry.
- Acting for a bank against a borrower alleging that his loan was unenforceable on the basis of various alleged breaches of the Consumer Credit Act and associated regulations.
- Advising a finance house on its claim against a third party who bought a vehicle from its lessee without the finance house’s consent.
- Acting for a bank in a multi-party High Court mortgage dispute involving issues of undue influence and constructive notice.
- Civil fraud & asset tracing
Civil fraud & asset tracing
Tom has particular expertise in fraud claims.
- HMRC v IGE USA Investments Limited and others [2020] EWHC 1716 (Ch), [2021] EWCA Civ 534: Tom acted for defendants, all members of the GE group, in a claim by HMRC to rescind a tax settlement made in 2005. The dispute, which settled shortly before trial, gave rise to two significant interlocutory appeals, in both of which Tom was successful. In the first ([2020] EWHC 1716 (Ch)), James Pickering KC, sitting as a Deputy High Court Judge, held that the Disclosure Pilot did not limit the court’s power to order specific disclosure to only those issues contained within the List of Issues for Disclosure. In the second ([2021] EWCA Civ 534), the Court of Appeal held that claims for equitable rescission on the ground of fraudulent misrepresentation were, by virtue of section 36 of the Limitation Act 1980, subject to the same six-year limitation period as claims in the tort of deceit.
- N and another v F and T Limited: Tom acts for the claimants, who allege that the defendants conspired to defraud the first defendant’s former employer by ‘stealing’ its thread-vein treatment business. The case is listed for a week-long trial in January 2022.
- GRMA-Pardus Wealth Ltd v Paterson: Tom obtained a freezing injunction against an individual alleged to have used various offshore entities to defraud Tom’s client of EUR 1.5m.
- Acted (with Nigel Jones KC and Emily Betts) for an American company in a claim against a Saudi agent in relation to substantial commercial tender in Saudi Arabia. Tom assisted with anti-suit and freezing injunctions in the Commercial Court seeking to prevent the bringing of conflicting proceedings in the Saudi courts.
- Tom acted for the claimant in a substantial, multi-party fraud. Tom successfully obtained a freezing injunction in the Chancery Division (Birmingham District Registry).
- Commercial litigation
Commercial litigation
Tom has a broad-based commercial practice. His work covers all forms of commercial and business disputes, including sale and hire of goods, franchising and directors’ duties. Tom also has extensive experience of cases involving allegations of fraud. Details of Tom’s banking and finance can be found in a separate section of this CV.
Tom is often instructed to advise in relation to and represent clients seeking interim remedies, such as freezing injunctions, often on an urgent basis. Tom has a particular expertise in claims for rescission, having acted over the course of 2½ years for GE in defending a claim by HMRC to rescind a tax settlement made in 2005 (see further, below).
Examples of Tom’s commercial work
- Malton Foods Ltd v Parsley Box Ltd – Tom acts for a manufacturer of ambient food products in its claim under a exclusivity agreement with a supplier
- Tortuga Beach Resort Apartment 111/16 Ltd v Hannah – Tom (leading James Shaw) acts for over 700 companies alleging breach of fiduciary duty against a director in connection with an offshore fractional property ownership scheme
- Acting for a Pakistani sugar producer in a sale of goods dispute with a Swiss buyer of ethanol
- Alliance Surgical v Primus Medical Indemnity – Tom acts for the defendant in a claim for alleged misuse of confidential information
- Acting for an underwriting agency in a claim for unpaid commission against a leading insurer
- Perenco UK Ltd v Stahl – Tom (led by David Lewis KC) acted for the claimant in a sale of goods dispute relating to lighting installations of offshore helipads.
- Foenix Partners v Infinity International – Tom (led by PJ Kirby KC) acted for the defendant in the trial of a claim for breach of an SPA in respect of an FX brokerage. Tom’s client succeeded on a (rare) submission of no case to answer.
- Providing an independent opinion for the purpose of a contractual dispute resolution mechanism under an SPA
- Times Travel (UK) Ltd and another v Pakistan International Airlines Corporation [2021] UKSC 40; [2019] EWCA Civ 828: Tom acted for the successful defendant airline in a dispute concerning commission payments to agent. It is the leading case on lawful act economic duress.
- HMRC v IGE USA Investments Limited and others [2020] EWHC 1716 (Ch), [2021] EWCA Civ 534: Tom acted for defendants, all members of the GE group, in a claim by HMRC to rescind a tax settlement made in 2005. The dispute, which settled shortly before trial, gave rise to two significant interlocutory appeals, in both of which Tom was successful. In the first ([2020] EWHC 1716 (Ch)), James Pickering KC, sitting as a Deputy High Court Judge, held that the Disclosure Pilot did not limit the court’s power to order specific disclosure to only those issues contained within the List of Issues for Disclosure. In the second ([2021] EWCA Civ 534), the Court of Appeal held that claims for equitable rescission on the ground of fraudulent misrepresentation were, by virtue of section 36 of the Limitation Act 1980, subject to the same six-year limitation period as claims in the tort of deceit.
- N and another v F and T Limited: Tom acts for the claimants, who allege that the defendants conspired to defraud the first defendant’s former employer by ‘stealing’ its thread-vein treatment business. The case is listed for a week-long trial in January 2022
- GRMA-Pardus Wealth Ltd v Paterson: Tom obtained a freezing injunction against an individual alleged to have used various offshore entities to defraud Tom’s client of EUR 1.5m.
- Acted (with Nigel Jones KC and Emily Betts) for an American company in a claim against a Saudi agent in relation to substantial commercial tender in Saudi Arabia. Tom assisted with anti-suit and freezing injunctions in the Commercial Court seeking to prevent the bringing of conflicting proceedings in the Saudi courts.
- As sole counsel, Tom acted for the claimant in a substantial, multi-party fraud. Tom successfully obtained a freezing injunction in the Chancery Division (Birmingham District Registry).
- The Color Company (TM) Limited v Lillywhite and others (2016 unreported, HHJ Luba KC):
Tom successfully resisted the claimant’s application for an interim injunction restraining three of its former employees from solicitation of customers on behalf of their new employer. Amongst other issues, the case concerned the enforceability of post-termination restrictive covenants. - Advising an electronic components supplier in relation to a multi-party product liability claim.
- Salt v Stratstone Specialist Ltd [2015] EWCA Civ 745:
Acted for the Defendant in the Court of Appeal concerning rescission of a contract of sale. - Thorney Park Golf Ltd v Myers Catering Ltd [2015] EWCA Civ 19:
Court of Appeal case concerning the construction of a franchise agreement. - Chatfields-Martin Walter Ltd v Lombard North Central PLC [2014] EWHC 1222 (QB):
Tom successfully represented a motor dealership in an important appeal concerned HPI, the well-known hire purchase information service. Leggatt J said that his case was “extremely well argued”. - Waite v Paccar Financial PLC [2012] EWCA Civ 901 (CA):
Acted for the Defendant in the Court of Appeal concerning the construction of a lease purchase agreement. McFarlane LJ praised Tom’s “helpful and clear submissions”. - Acted on a dispute about the beneficial ownership of a vocational training college, in which his clients faced allegations of fraud. The client was ultimately successful on the basis of Tom’s argument that the claim was barred by the principle of no reflective loss.
- Successfully defended a claim for conversion of a tractor. The case involved multiple defendants, and concerned issues of title and the provisions of the Sale of Goods Act 1979.
- Providing urgent advice for an international security company concerning the evacuation of oil workers from Iraq.
- Employment & executive disputes
Employment & executive disputes
Tom has experience acting for and against employees involved in commercial disputes with their employer. He has particular experience in claims to enforce (or to challenge the enforceability of) restrictive covenants in contracts of employment.
- The Color Company (TM) Limited v Lillywhite and others (2016 unreported, HHJ Luba KC):
Tom successfully resisted the claimant’s application for an interim injunction restraining three of its former employees from solicitation of customers on behalf of their new employer. Amongst other issues, the case concerned the enforceability of post-termination restrictive covenants.
- The Color Company (TM) Limited v Lillywhite and others (2016 unreported, HHJ Luba KC):
- Private international law
Private international law
Acted (with Nigel Jones KC and Emily Betts) for an American company in a claim against a Saudi agent in relation to substantial commercial tender in Saudi Arabia. Tom assisted with anti-suit and freezing injunctions in the Commercial Court seeking to prevent the bringing of conflicting proceedings in the Saudi courts.
- Banking & finance
- Construction & engineering
- Construction insurance
Construction insurance
Tom is a contributor to the two leading construction insurance text books (both under the general authorship of Paul Reed KC): Construction All Risks Insurance and Construction Professional Indemnity Insurance. He has substantial experience in claims relating to both areas.
Tom has recently been providing coverage advice to a number of policyholders on the scope of their business interruption insurance in the context of the Covid-19 pandemic.
Tom’s recent CAR experience includes:
- Acting for the insured in a coverage dispute arising from damage to an subsea power cable
- Acting for insurers in connection with a coverage dispute concerning a landslip during the expansion of a motorway.
- Acting for insurers in connection with a coverage dispute arising from the presence of asbestos in hardstanding.
- Acting for insurers on an avoidance dispute in connection with alleged material non-disclosure.
- Advising the insured on coverage where delay occurred to a stage of the project but not the project as a whole
- For Tom’s construction professional indemnity insurance, please see the separate section of his profile.
- Professional liability construction professionals
Professional liability construction professionals
Tom accepts instructions in claims for and against construction professionals. He has particular experience in architects’ negligence claims and claims against surveyors.
- Acting for a national housing developer in a claim against an architect for failing to give effect to planning conditions
- Advising claimants on a claim against an architect in connection with a right to light infringement
- Advising a mortgage lender in relation to quantification of damages in a surveyor claim.
- Fluor Ltd v (1) Ramboll Danmark A/S (2) Carl C A/S (TCC): Acted for the supplier of a meteorological mast in a defective product claim.
- Neffendorf v Pell-Stevens: Acted for the defendant architect in connection with an allegedly defective flat roof on a newly built house.
- Property damage
Property damage
Tom is regularly instructed by insurers and insureds in relation to policy coverage and in recovery actions arising out of property damage. Tom has particular experience in relation to the CPA Model Conditions and to damage to assets that are subject to a finance agreement.
Recent work includes:
- Ainscough Crane Hire v Falcon Tower Crane Services – Tom acts for a market-leading crane hire company in a claim against a hirer following a shock load incident to a mobile crane.
- Crane hire company v hirer – Tom (leading Kort Egan) acted for a crane hire company in an adjudication relating to the interpretation of the CPA Model Conditions following the collapse of a crane.
- UKOP v Fabricon – Tom acted for a civil engineering company in High Court proceedings following alleged subterranean damage to a marina as a result of pipeline work. The case included a parallel coverage dispute in relation to the client’s public liability insurance.
- Advising insurers on a potential group recovery action against a manufacturer of agricultural machinery following a number of instances of fire damage.
- Construction insurance
- Professional indemnity insurance
Professional indemnity insurance
Tom has experience advising insurers and policyholders on coverage issues under professional indemnity insurance, such as a failure to notify promptly, breach of warranty, etc.
- Insurance coverage
Insurance coverage
Tom has a wealth of experience and expertise in relation to insurance coverage. He advises insurers and policyholders on coverage issues under a variety of policies, ranging from contractors all risk to property insurance, professional indemnity, directors and officers, and others. Tom also advises in relation to consumer insurance policies.
Tom has recently been providing coverage advice to a number of policyholders on the scope of their business interruption insurance in the context of the Covid-19 pandemic.
- Advising a high-net-worth individual following insurers’ avoidance of his motor policy.
- Advising insurers on the proper approach to measuring delay caused by Covid-19 for the purpose of delay-in-startup cover. The project in question was a highly prestigious property development in Mayfair (with Paul Reed KC).
- Advising (with Paul Reed KC) a major waste processing plant operator on joint names insurance issues
- Advising a major engineering company on the effect of double insurance in respect of its public liability coverage
- Advising a housing association on coverage under a structural defects warranty
- Advising a statutory regulator on variations to the minimum terms of cover for members
- Advising insurers on coverage under a medical malpractice policy following a GMC investigation into a surgeon
- Paragon Personal Finance Limited v Plevin:
Tom has appeared (with PJ Kirby KC) in the Supreme Court in an appeal concerning the scope of the transitional provisions of the Legal Aid, Sentencing and Punishment of Offenders Act 2012 and the recoverability of ATE premiums post 1 April 2013. - Acting for insurers in a dispute concerning a claim under a property damage policy (in arbitration).
- Acted for claimants in a coverage dispute concerning a title defect policy (the case settled shortly before trial).
- Acted for a defendant haulage company in its (successful) application to strike out a claim by its insurers for reimbursement of gratuitous payments made to victims of a car crash.
- Advised insurers in connection with a claim arising from fire damage to farming machinery. The case dovetailed with Tom’s commercial practice, in that it involved issues arising from the machinery being (potentially) subject to a hire-purchase agreement.
- Acted for a claimant insured in a claim against its insurer who declined to indemnify it in respect of legal costs incurred in connection with an FSA investigation.
- Advising insurers on coverage under a claims-made medical malpractice policy.
- Advising insurers on the applicability of an exclusion to a product liability policy.
- Advising a professional regulator on, and drafting amendments to, its minimum terms of cover and participating insurers agreement.
- Advising policyholders on various property damage insurance coverage issues.
- Insurance funded disputes
Insurance funded disputes
A significant proportion of Tom’s instructions are funded by insurance, and he is often instructed on disputes where the opposing party’s costs are funded by insurance. Tom is sensitive to the commercial needs of insurers and the demands placed on solicitors who have both insurer and insured clients.
Tom has experience in subrogated recovery actions, defence-work funded by liability insurance, BTE-funded claims, and claims backed by ATE insurance.
- Litigation insurance
Litigation insurance
Tom has experience advising on coverage issues under ATE policies, and is often instructed to advise ATE and BTE insurers on the prospects of success of a claim.
- Property damage (coverage)
Property damage (coverage)
Tom is regularly instructed by policyholders and insurers in relation to claims arising out of property damage. He acts for insurers bringing recovery actions against third parties, and for and against policyholders in connection with coverage disputes under property damage policies. Tom’s advice is particularly sought after in cases which give rise to complex commercial issues (eg sale of goods, unfair contract terms) and points of insurance law (eg co-insurance).
Recent Work
- Advising a market-leading crane hire company on the application of the CPA Model Conditions following a shock load incident to a mobile crane; acting for the same client in proceedings following a mobile crane crashing into a motorway bridge
- Acting for a civil engineering company in High Court proceedings following alleged subterranean damage to a marina as a result of pipeline work
- Advising insurers on a potential group action against a manufacturer of agricultural machinery following a number of instances of fire damage
- Professional liability
- Construction Professionals
Construction Professionals
Tom accepts instructions in claims for and against construction professionals. He has particular experience in architects’ negligence claims and claims against surveyors.
- Acting for a national housing developer in a claim against an architect for failing to give effect to planning conditions
- Advising claimants on a claim against an architect in connection with a right to light infringement
- Advising a mortgage lender in relation to quantification of damages in a surveyor claim.
- Fluor Ltd v (1) Ramboll Danmark A/S (2) Carl C A/S (TCC): Acted for the supplier of a meteorological mast in a defective product claim.
- Neffendorf v Pell-Stevens: Acted for the defendant architect in connection with an allegedly defective flat roof on a newly built house.
- Financial professionals, insolvency professionals, directors & officers
Financial professionals, insolvency professionals, directors & officers
Tom has a wide professional negligence practice against a variety of professionals including accountants, insurance brokers and IFAs.
Recent work
- Tom has acted in a number of cases arising out of ‘failed’ tax mitigation schemes.
- Advising a mortgage lender in relation to quantification of damages in a surveyor claim.
- Festive Productions Ltd v KPMG LLP:
Acted for a major retailer in a multi-million pound audit negligence claim against a big four accountancy firm (led by Simon Salzedo KC of Brick Court Chambers). - Child v Direct Sharedeal Ltd and others:
Acted for a stockbroker in a claim alleging financial mis-selling and breach of FCA rules.
- Legal professionals
Legal professionals
Tom frequently acts for and against legal professionals (principally solicitors) in connection with a wide variety of claims.
Recent work
- Tom acts for a firm of solicitors in relation to the acquisition of a headlease alleged to contain an onerous rent review clause
- Acting for a property developer in a claim against solicitors and a highways report provider following the discovery of an unknown ransom strip
- Acting for solicitors against allegations of negligence in relation to a corporate transaction they acted on
- Acting for a firm of solicitors accused of failing to achieve a reasonable settlement of a dispute with insolvency practitioners
- Advising claimants in connection with a claim against conveyancing solicitors in connection with a failed property investment
- Mortgage Express v Powell Forman Kelly LLP:
Acting for the claimant lender in a substantial claim against conveyancing solicitors concerning 80 properties - Acting for the claimant in a seven-figure claim against former solicitors arising from the negligent drafting of an option agreement
- Insurance brokers
Insurance brokers
Tom is a contributor to Insurance Broking Practice and the Law, Informa, and has experience acting for and against insurance brokers.
Recent work
- Clearway Drainage Systems Ltd v Miles Smith Ltd [2016] EWCA Civ 1258 (Court of Appeal):
led by Alistair Schaff KC, Tom successfully opposed the claimant’s appeal against the first instance judge’s refusal to grant relief from sanction following the late service of witness statements. - Acting for a broker in a claim arising from a claim being rejected for material non-disclosure
- Shareef v Lloyds Underwriters and others: Acting for an insurance broker in a multi-party claim arising from fire damage
- Clearway Drainage Systems Ltd v Miles Smith Ltd [2016] EWCA Civ 1258 (Court of Appeal):
- Construction Professionals
Directory recommendations
Tom is recommended by The Legal 500 for Professional Negligence and Insurance and Reinsurance.
- “He’s a fantastic team player. He is very cool and calm. His written work is especially excellent in submissions, which is incredibly helpful as it feels as if the judge is already with you.” (The Legal 500 2025, Professional negligence)
- “A fantastic team player. Very cool and calm, unflappable. Willing to be clear with his advice and not sit on a fence, especially when in conference with clients to put the point across. Does not just take the legal answer, also factors in the other commercial drivers at play and comes to a reasoned approach.” (The Legal 500 2025, Insurance and Reinsurance)
- “Very technical, concise, team player. Thoughtful with his input, but will not sit on the fence. Excellent written work .” (The Legal 500, Professional Negligence)
- “He excels at presenting legal solutions diplomatically, succinctly and efficiently.” (The Legal 500, 2024, Insurance and Reinsurance)
- “Very accessible, user friendly and bright. Tom is good at being commercial, is responsive, and provides clear, well-written advice – follow-up queries are always addressed promptly.” (The Legal 500, 2023)
- “He has an instinctive grasp of the issues, and is good at thinking on his feet in court.” (The Legal 500, 2023)
- “He is excellent. His attention to detail sets him apart.” (Legal 500)
- “Able to distil complex legal arguments for lay clients.” (Legal 500)
- “He is excellent.” (Legal 500)
Professional associations
- PNBA
- COMBAR
- London Common Law and Commercial Bar Association
- BILA
Publications
- Contributor to Paul Reed KC’s Construction All Risks Insurance, Third edition, Sweet & Maxwell, 2021
- Contributor to Insurance Broking Practice and the Law, Informa.
- Contributor to Paul Reed KC’s Construction Professional Indemnity Insurance, Sweet & Maxwell.
Qualifications
- MA (Oxon) in Classics – Trinity College, Oxford
- PGDL (Distinction)
- BVC (Outstanding)