Court of Appeal Examines Aggregation Issues in Insurance Contracts in England and Wales

A recent case examined whether losses arising out of the Covid-19 outbreak amounted to a single or multiple losses.

An important component of any insurance policy is the aggregation clause that governs whether underlying losses are grouped together to form a single claim.

Aggregation clauses are crucial in determining how many deductibles will be applied to any claim and the available limit of liability. There has been a renewed focus on their interpretation in cases arising out of the recent Covid-19 pandemic.

The most recent decision on aggregation clauses has been the Court of Appeal's ruling in Various Eateries Trading Ltd v Allianz Insurance Plc.

This online course delves into a recent legal case scrutinising the aggregation of losses stemming from the Covid-19 pandemic.

By the end of this course, you should be able to:

1. Understand the role of aggregation clauses in insurance policies and their impact on deductible application and liability limits
2. Understand the factors influencing the aggregation of losses, particularly in the context of business interruption claims during the Covid-19 pandemic