Loss of a Chance in Broker Claims
Norman Hay v Marsh – claimants don’t need to prove they’d definitely have had cover – courts now assess damages based on the likelihood of securing insurance.
Notification Failures & Multi-Layered Cover
Watford Community Housing v Gallagher – “other insurance” clauses and brokers’ duty to ensure timely notifications across all layers.
Broker Duties Post-Insurance Act 2015
Hamsard v AE Insurance Brokers – disclosure obligations and whether brokers need expert evidence on standard duties.
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