VIRK v GAN LIFE HOLDINGS PLC

[2000] Lloyd's Rep IR 159

COURT OF APPEAL

Before Lord Justice Henry and Lord Justice Potter

Insurance (critical illness) - Policy providing payment for stroke 30 days after confirmed diagnosis - Claimant commencing proceedings against associated insurers - Application to join correct insurers - Substitution depending on non-expiry of limitation period - Whether limitation period ran from date of stroke or 30 days after confirmed diagnosis - Whether expiry of 30 days from confirmed diagnosis a condition precedent to insurers’ liability - CPR 1998, Part 19, rule 19(4).