Retail customer: consumer by another name

In Bate v Aviva Insurance UK Limited the court considered the rejection of a claim brought by an insurance industry loss assessor under a domestic buildings and contents insurance policy. 

The consumer insurance landscape has changed with the coming into effect of the Consumer Insurance (Disclosure and Representations) Act 2012 (CIDRA) on 6 April 2013. This means that many more consumers will succeed in their claims. However, the courts will continue to weed out the dishonest conduct of policyholders.

Mr Bate was an experienced insurance industry loss assessor. He took out insurance with Aviva covering him against loss and damage to his property and contents. His property comprised a substantial 19th-century house known as the Long House and an annex called the Coach House, together with the converted former stables and a tack house…

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