Ristorante Ltd t/a Bar Massimo v Zurich Insurance Plc [2021] EWHC 2538 (Ch)

This case is an example of where an insurer alleged that the insured had not complied with the duty of fair presentation introduced by the Insurance Act 2015 and used the insured’s failure to disclose the past involvement of its directors in insolvent companies as a reason to refuse to pay out following a fire. However, the insurer was not successful because of the way in which the question that gave rise to the alleged non-disclosure was worded.

Background