19 March 2009
Porter v Zurich Insurance Company [2009] EWHC 376 (QB), [2009] All ER (D) 67 (Mar)
It is a general rule of insurance law that an assured cannot normally recover the policy monies when he has intentionally brought about the event upon which the policy specifies the monies to be payable. Where a claimant seeks to recover under a policy of insurance for the consequences of his own act in setting a fire, they will need to prove, on the balance of probabilities, that they were insane (within the meaning of the M’Naghten Rules) at the time of the fire.
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