World Challenge Expeditions Ltd v Zurich Insurance Co Ltd

Subject Matter

INSURANCE — Contract — Construction — Claimant travel company holding cancellation insurance with defendant underwriter — Claimant over four-year period claiming indemnities under policy for refunds paid to customers following cancellation of trips — Defendant settling claims in amount of refunds — Claimant seeking indemnity for refunds following mass cancellations due to Covid-19 pandemic — Whether policy covering refunds or only irrecoverable costs paid by claimant to third parties — Whether common assumption between parties that policy covering customer refunds — Whether claimant relying on assumption to its detriment — Whether defendant estopped from denying claims — Whether cancellations arising out of single event for purposes of aggregation provision in policy

[2023] EWHC 1696 (Comm); [2023] Bus LR 1731; [2024] 1 All ER (Comm) 786; [2023] WLR(D) 371, KBD

Cases Considered

Cases considered in: World Challenge Expeditions Ltd v Zurich Insurance Co Ltd [2023] EWHC 1696 (Comm); [2023] Bus LR 1731; [2024] 1 All ER (Comm) 786; [2023] WLR(D) 371, KBD

Cases Cited

Cases cited in: World Challenge Expeditions Ltd v Zurich Insurance Co Ltd [2023] EWHC 1696 (Comm); [2023] Bus LR 1731; [2024] 1 All ER (Comm) 786; [2023] WLR(D) 371, KBD

ABN Amro Bank NV v Royal and Sun Alliance Insurance plc [2021] EWHC 442 (Comm), QBD

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World Challenge Expeditions Ltd v Zurich Insurance plc [2022] EWHC 1365 (Comm); [2022] Costs LR 1039

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