JAMES v CGU INSURANCE PLC SUPREME AND ST ALBANS INSURANCE BROKERS

[2002] Lloyd's Rep IR 206

QUEEN’S BENCH DIVISION COMMERCIAL COURT

Before Mr Justice Moore-Bick

Insurance (property) - Fire - Insurers alleging that assured started fire himself or failed to take steps to extinguish it before it caused damage - Burden of proof where fraud alleged - Duty of disclosure - Moral hazard - Effect of ABI Statements of Insurance Practice - Waiver of duty of disclosure by failure to ask questions - Whether policy divisible into sections.