Court of Appeal gives insurers guidance

The Court of Appeal has given insurers guidance in determining whether to accept or decline liability claims arising from intentional acts of the insured with unintended consequences. An earlier High Court ruling was overturned by the Court of Appeal, which found that household liability exclusion for claims and liabilities arising from 'any wilful, malicious or criminal act' required insurers to show that the insured intended to cause the damage suffered. However, this was over-ruled, with