Citation: [2025] EWHC 3315 (TCC)
The TCC refused to grant summary judgment in favour of an insurer in a claim under an insurance policy for defects linked to fire risk, finding there was a real prospect that the insured could show that the risk of fire-related damage was sufficiently serious and imminent to fall within the insurance policy. BackgroundThis was an application by the Defendant insurer (“Allianz”) for summary judgment.The claimant (“Vivid”) is the freehold owner of a block of 82 flats at Collins Place, Hampshire and the Insured under a Housing Warranty Insurance Policy issued in respect of the development. The insurance policy was issued by Building LifePlans Ltd (“BLP”) acting as the cover-holder under a binding authority granted by the defendant, Allianz.The operative clause of the policy (“Clause 3(a) Operative Clause”) indemnifies the Insured for the cost of repairing, replacing and/or strengthening the premises following and consequent upon a Defect which becomes manifest and is notified during the Period of Insurance, where the Defect causes (i) destruction, (ii) physical damage or (iii) the threat of imminent destruction or physical damage which requires immediate remedial measures for…
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