SCOTTISH COAL CO LTD AND OTHERS v ROYAL & SUN ALLIANCE INSURANCE PLC AND OTHERS

[2008] Lloyd's Rep IR 718

QUEEN’S BENCH DIVISION (COMMERCIAL COURT)

Before Mr Justice David Steel

Insurance (property and business interruption) - Loss in coal mine caused by collapse of roof - Effect of notice of cancellation at anniversary date (NCAD) clause - Whether assured disclosed change of working methods - Whether insurers had established materiality and inducement - Whether insurers had waived the right to avoid - Effect of increase of risk, reasonable care and inspection clauses.