Ate Insurance

A business remains responsible for rectifying errors it caused, even if the consumer could have mitigated further harm, and must pay fair compensation reflecting all distress and inconvenience caused.

Under CIDRA 2012, a consumer must take reasonable care not to misrepresent material facts when applying for insurance, and an insurer can decline a claim if the misrepresentation is qualifying (i.e., the insurer would not have offered the p

A payment processor providing virtual IBAN services to corporate clients is not responsible for monitoring those clients' customer accounts or preventing scams involving funds sent to those accounts.

An insurer is responsible for delays and defects only in repairs carried out by repairers it instructed, not those selected by the consumer.

An insurer is not liable for pre-existing defects unrelated to the insured event, and lost rental income is only payable when the property is genuinely unfit to live in due to the insured damage.

An insurer must replace a damaged appliance with one of the same or similar make and technical specification, but need not provide an identical or superior model.