Komives v Hick Lane Bedding Ltd

Subject Matter

INSURANCE — Liability insurance — Employer’s liability — Employees claiming directly against employer’s insurers under statutory subrogation — Insurers having material non-disclosure defence against employers — Rule requiring insurer not to unreasonably reject claim — Whether rule regulating relationship between insurer and third party subrogated to claim — Whether employees having claim under policy despite employer’s material non-disclosure — Third Parties (Rights against Insurers) Act 1930 (20 & 21 Geo 5, c 25), s 1 — Financial Conduct Authority Handbook, Insurance Conduct of Business Sourcebook, r 8.1.1(3)

[2021] EWHC 3139 (QB); [2022] ICR 588; [2021] WLR(D) 591, QBD