Insurance Law Questions with Complete Solutions (Latest 2025) Every circumstance is material that will effect the judgement of a prudent insurer in fixing the premium or determining whether to take the risk. - Correct Answers ✅Material Fact Defendants cat was shot whilst on their roof.It was held that this was trespass to land (bullet passed over claimants property) and trespass to goods (the cat) - Correct Answers ✅Davies v Bennison (1927) Held that shooting someones racing pidgeons amounts to trespass to goods. - Correct Answers ✅Hamps v Derby
(1948)
Insurers paid a claim for damaged cargo which had been destroyed by a confederate cruiser.The policy did not cove the loss in full.Difference was made up by a gracious payment from US congress.Terms of the payment stipulated that no benefit was to go to underwriters.The insured was not able to claim by way of subrogation of money paid by way of a gift. - Correct Answers ✅Burnard v Rodocandi (1882) 1 / 4
Insurance Law Questions with Complete Solutions (Latest 2025) It was held that liability insurers could keep a gift from broker which had been made to partly fund a loss, even though the loss had been covered by RI.The RI's were not allowed to deduct the amount from the RI claim. - Correct Answers ✅Merret v Capital Indemnity Corporation (1991) Claimant was a music teacher who gave lessons at her home and her family enjoyed playing music.Her house was attached to the defendants who had complained on many occasions but to no avail.He took to banging on the walls and beating trays and shouting in retaliation.It was held that the defendants actions were motivated by malice and therefore did not constitute a nusiance.An injunction was granted to restrain his actions. - Correct Answers ✅Christie v Davey (1893) Landlord let a block of flats to tenants for £2500 per year.During war he struggled to find tenants and claimant agreed by letter to reduce current tenants rent to £1250 a year.Then in 1945 the claimant claimed rent owing from 1941 of £2500 a year on the basis that no consideration had been given for their agreement to reduce it.Judges held that by the tenants reducing monthly amounts this was consideration. 2 / 4
Insurance Law Questions with Complete Solutions (Latest 2025) Judges held that higher rent could be payable now but couldn't go back on his promise.Promissory estoppel. - Correct Answers ✅Central London Property Trust v High Trees House (1947) A butcher insured the life of his right hand man.Upon loss he claimed under his policy.It was held that the amount payable was for one weeks wages, the notice period of the right hand man. - Correct Answers ✅Simcock v Scottish Imperial Insurance Co (1902) Son lived with his mum who cared and kept for him.He claimed that the money paid out was to cover funeral costs.Held that the policy was void for lack of insurable interest, the son did not stand to lose financially on death of his mother, no legal obligation to bury her. - Correct Answers ✅Harse v Pearl Life Assurance Co (1904) The insured vessel was put to sea in what was held to be an unseaworthy state because of defects in its fire fighting equipment and the masters ignorance regarding the operation of the equipment.Failure to distinguish the fire caused the loss.Two vessels owned by the insured had had similar losses. 3 / 4
Insurance Law Questions with Complete Solutions (Latest 2025) Experts had drawn the assured to the attention of the defects involved.These were not drawn to the attention of the insurer.Insurers argued that a failure to disclose these reports was a breach on continuing good faith.Confirmed duty on insured throughout the duration of the insurance. - Correct Answers ✅Manifest Shipping Co v uni Polaris Shipping Co (2001) The Star Sea The ship in question, the Ikara, was insured for perils of the sea (ex war).She was hit by a torpedo but reached port where repair work started.When a storm blew up the port master ordered her out of the harbour so that she didn't block the harbour if she sank, which she did after leaving port.Held; The HoL had to decide if the proximate cause was torpedo or storm.Held proximate cause was the torpedo as the damage had been effective throughout.The chain of events had not been broken.First case to determine that the proximate cause was the first peril, previously it was the last. - Correct Answers ✅Leyland v Norwich Union Fire Insurance Society (1918)
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