{"id":230,"date":"2021-06-14T00:00:00","date_gmt":"2021-06-13T23:00:00","guid":{"rendered":"https:\/\/fenchurchlaw.hostingsystems.co.uk\/sg\/blog\/2021\/06\/14\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/"},"modified":"2024-08-21T16:47:01","modified_gmt":"2024-08-21T15:47:01","slug":"the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others","status":"publish","type":"post","link":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/","title":{"rendered":"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others"},"content":{"rendered":"

Welcome to the latest in the series of blogs from Fenchurch Law:\u00a0100 cases every policyholder needs to know.\u00a0<\/em>An opinionated and practical guide to the most important insurance decisions relating to the London \/ English insurance markets, all looked at from a pro-policyholder perspective.<\/p>\n

Some cases are correctly decided and positive for policyholders. We celebrate those cases as\u00a0The Good.<\/em><\/p>\n

Some cases are, in our view, bad for policyholders, wrongly decided, and in need of being overturned. We highlight those decisions as\u00a0The Bad.<\/em><\/p>\n

Other cases are bad for policyholders but seem (even to our policyholder-tinted eyes) to be correctly decided. Those cases can trip up even the most honest policyholder with the most genuine claim. We put the hazard lights on those cases as\u00a0The Ugly.<\/em><\/p>\n

#14 (The Good & Ugly)<\/p>\n

Arch Insurance (UK) Ltd v FCA and others <\/em>[2021 UKSC 1]<\/p>\n

The Good?\u00a0\u00a0<\/strong><\/p>\n

The circumstances of FCA Test Case are widely known, and the case has been fairly regarded as a resounding (if not absolute) win for policyholders, having established coverage for Covid-19 business interruption losses under a variety of non-damage business interruption extensions.<\/p>\n

Aside from the key policy trigger determinations, which are to some extent confined to the specific circumstances of the Covid-19 pandemic given that most insurers have now withdrawn cover of the type under consideration in the Test Case, perhaps the more significant outcome was the Supreme Court\u2019s findings on causation, and the overruling of the notorious Orient Express v Generali<\/em> case.<\/p>\n

Previously highlighted in our series as one of The Bad<\/a>, Orient Express<\/em> first codified the \u2018wide area damage\u2019 principle under which insurers decline or reduce a policyholder\u2019s business interruption claim in the event of a loss event causing damage to the wider area, rather than to the insured property only. So in the case of Orient Express<\/em>, the claimant hotel was denied indemnity for losses following Hurricane Katrina in New Orleans, on the basis that the entire city was effectively destroyed, and \u2018but for\u2019 the damage to the hotel, it could not have done any business anyway. The egregious effect of the case was that, the more severe the loss event, the less coverage was provided by insurers.<\/p>\n

The case finally fell for consideration by the Supreme Court in the FCA Test Case ten years later, and was unanimously overturned (including by the very judge that issued the original Orient Express decision itself). The approach that should have been taken, the Supreme Court said, was to view the damage to the hotel and the damage to the surrounding area as concurrent causes of loss which, following the principle in The Miss Jay Jay<\/em>, would not preclude coverage where neither cause was expressly excluded under the Policy.\u00a0 The policyholder in Orient Express<\/em> should therefore have been entitled to recover the full extent of its losses arising from the hurricane, as should policyholders seeking indemnity for their Covid-19 BI losses.<\/p>\n

The Ugly?<\/strong><\/p>\n

The Supreme Court\u2019s approach to concurrent proximate causes is not necessarily all good news for policyholders, however.<\/p>\n

It is a well-established principle of English law, affirmed by the Supreme Court in its judgment, that, where there are concurrent proximate causes of a loss, if one cause is an insured peril and the other cause(s) is \/ are uninsured then the policy should respond in full (The Miss Jay Jay<\/em>), whereas if a cause is excluded then the policy will not respond (Wayne Tank<\/em>). The potential for the Wayne Tank<\/em> principle to be a practical problem for policyholders has historically been largely been mitigated by the Courts\u2019 general reluctance to find that there is more than one proximate cause. However, the Supreme Court\u2019s decision in the FCA Test Case suggests that concurrent proximate causes may be much more likely to arise in practice than had previously been appreciated.\u00a0 The Supreme Court noted that both The Miss Jay Jay<\/em>, and Wayne Tank<\/em>, concerned interdependent concurrent causes (so that it was the combination of the two which made the loss inevitable) and went on to find that there is \u201cno reason in principle why such an analysis cannot be applied to multiple causes which act in combination to bring about a loss<\/strong>\u201d<\/em> (our emphasis). This significantly extends the doctrine of concurrent causes, particularly given that the Supreme Court went on to say that, in certain circumstances, the multiple concurrent causes do not have to meet the \u2018but for\u2019 test:<\/p>\n

\u201cthere is nothing in principle or in the concept of causation which precludes an insured peril <\/strong>that in combination with many other similar uninsured events <\/strong>brings about a loss with a sufficient degree of inevitability from being regarded as a cause – indeed as a proximate cause -of the loss, even if the occurrence of the insured peril is neither necessary nor sufficient to bring about the loss by itself<\/strong>\u201d <\/em>(our emphasis).<\/p>\n

In some situations (the FCA Test case itself included!) this shift could lead to an increase in cover available to the policyholder and, on that basis, is a welcome development.<\/p>\n

However, in our view there are also instances where this change would be unwelcome for policyholders in the context of exclusion clauses \u2013 for instance Design & Build contractors who almost always have a workmanship exclusion in their construction professional indemnity policies. The effect of the Supreme Court\u2019s approach to the issue of proximate cause in the Test Case could be to encourage insurers to point to modest workmanship issues as being a proximate cause of the loss in an attempt to refuse cover on the basis of the Wayne Tank<\/em> principle. Whilst that approach would, in our view, be wrong (unless restricted to the narrow type of interdependent concurrent proximate cause of the type considered in Wayne Tank<\/em> itself), the possibility of insurers seeking to take a Wayne Tank<\/em> point more often on the basis of the Supreme Court\u2019s approach to proximate cause makes that aspect of the decision \u201cUgly\u201d<\/em> for some policyholders, such as Design & Building Contractors with restrictive workmanship exclusions in their professional indemnity policies.<\/p>\n

Rob Goodship<\/a> is a Senior Associate at Fenchurch Law<\/p>\n","protected":false},"excerpt":{"rendered":"

Welcome to the latest in the series of blogs from Fenchurch Law:\u00a0100 cases every policyholder needs to know.\u00a0An opinionated and […]<\/p>\n","protected":false},"author":74,"featured_media":231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[133],"tags":[332],"class_list":["post-230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-good-the-bad-and-the-ugly","tag-products-environmental-risks"],"acf":[],"yoast_head":"\nThe Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others - Fenchurch Law APAC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others - Fenchurch Law APAC\" \/>\n<meta property=\"og:description\" content=\"Welcome to the latest in the series of blogs from Fenchurch Law:\u00a0100 cases every policyholder needs to know.\u00a0An opinionated and […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/\" \/>\n<meta property=\"og:site_name\" content=\"Fenchurch Law APAC\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-13T23:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-21T15:47:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fenchurchlaw.com\/en-sg\/wp-content\/uploads\/sites\/7\/2024\/08\/shutterstock_1014016873-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rob Goodship\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rob Goodship\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/\"},\"author\":{\"name\":\"Rob Goodship\",\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/#\\\/schema\\\/person\\\/294f1e7dc25d436c122588e06bf77d44\"},\"headline\":\"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others\",\"datePublished\":\"2021-06-13T23:00:00+00:00\",\"dateModified\":\"2024-08-21T15:47:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/\"},\"wordCount\":1037,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2024\\\/08\\\/shutterstock_1014016873-scaled-1.jpg\",\"keywords\":[\"Products & Environmental Risks\"],\"articleSection\":[\"The Good, the Bad and the Ugly\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/\",\"url\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/\",\"name\":\"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others - Fenchurch Law APAC\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2024\\\/08\\\/shutterstock_1014016873-scaled-1.jpg\",\"datePublished\":\"2021-06-13T23:00:00+00:00\",\"dateModified\":\"2024-08-21T15:47:01+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/#\\\/schema\\\/person\\\/294f1e7dc25d436c122588e06bf77d44\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#primaryimage\",\"url\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2024\\\/08\\\/shutterstock_1014016873-scaled-1.jpg\",\"contentUrl\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/wp-content\\\/uploads\\\/sites\\\/7\\\/2024\\\/08\\\/shutterstock_1014016873-scaled-1.jpg\",\"width\":2560,\"height\":1696},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/#website\",\"url\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/\",\"name\":\"Fenchurch Law APAC\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/#\\\/schema\\\/person\\\/294f1e7dc25d436c122588e06bf77d44\",\"name\":\"Rob Goodship\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/95b84b90151711c697e1b5595c8ffc95beed9fe4630df1c78eb835664480dc88?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/95b84b90151711c697e1b5595c8ffc95beed9fe4630df1c78eb835664480dc88?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/95b84b90151711c697e1b5595c8ffc95beed9fe4630df1c78eb835664480dc88?s=96&d=mm&r=g\",\"caption\":\"Rob Goodship\"},\"url\":\"https:\\\/\\\/fenchurchlaw.com\\\/en-sg\\\/author\\\/robgoodship\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others - Fenchurch Law APAC","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/","og_locale":"en_GB","og_type":"article","og_title":"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others - Fenchurch Law APAC","og_description":"Welcome to the latest in the series of blogs from Fenchurch Law:\u00a0100 cases every policyholder needs to know.\u00a0An opinionated and […]","og_url":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/","og_site_name":"Fenchurch Law APAC","article_published_time":"2021-06-13T23:00:00+00:00","article_modified_time":"2024-08-21T15:47:01+00:00","og_image":[{"width":2560,"height":1696,"url":"https:\/\/fenchurchlaw.com\/en-sg\/wp-content\/uploads\/sites\/7\/2024\/08\/shutterstock_1014016873-scaled-1.jpg","type":"image\/jpeg"}],"author":"Rob Goodship","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Rob Goodship","Estimated reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#article","isPartOf":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/"},"author":{"name":"Rob Goodship","@id":"https:\/\/fenchurchlaw.com\/en-sg\/#\/schema\/person\/294f1e7dc25d436c122588e06bf77d44"},"headline":"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others","datePublished":"2021-06-13T23:00:00+00:00","dateModified":"2024-08-21T15:47:01+00:00","mainEntityOfPage":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/"},"wordCount":1037,"commentCount":0,"image":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#primaryimage"},"thumbnailUrl":"https:\/\/fenchurchlaw.com\/en-sg\/wp-content\/uploads\/sites\/7\/2024\/08\/shutterstock_1014016873-scaled-1.jpg","keywords":["Products & Environmental Risks"],"articleSection":["The Good, the Bad and the Ugly"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/","url":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/","name":"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others - Fenchurch Law APAC","isPartOf":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#primaryimage"},"image":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#primaryimage"},"thumbnailUrl":"https:\/\/fenchurchlaw.com\/en-sg\/wp-content\/uploads\/sites\/7\/2024\/08\/shutterstock_1014016873-scaled-1.jpg","datePublished":"2021-06-13T23:00:00+00:00","dateModified":"2024-08-21T15:47:01+00:00","author":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/#\/schema\/person\/294f1e7dc25d436c122588e06bf77d44"},"breadcrumb":{"@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#primaryimage","url":"https:\/\/fenchurchlaw.com\/en-sg\/wp-content\/uploads\/sites\/7\/2024\/08\/shutterstock_1014016873-scaled-1.jpg","contentUrl":"https:\/\/fenchurchlaw.com\/en-sg\/wp-content\/uploads\/sites\/7\/2024\/08\/shutterstock_1014016873-scaled-1.jpg","width":2560,"height":1696},{"@type":"BreadcrumbList","@id":"https:\/\/fenchurchlaw.com\/en-sg\/the-good-the-bad-the-ugly-100-cases-every-policyholder-needs-to-know-14-the-good-ugly-arch-insurance-uk-ltd-v-fca-and-others\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fenchurchlaw.com\/en-sg\/"},{"@type":"ListItem","position":2,"name":"The Good, the Bad & the Ugly: 100 cases every policyholder needs to know. #14 (The Good & Ugly). Arch Insurance (UK) Ltd v FCA and others"}]},{"@type":"WebSite","@id":"https:\/\/fenchurchlaw.com\/en-sg\/#website","url":"https:\/\/fenchurchlaw.com\/en-sg\/","name":"Fenchurch Law APAC","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fenchurchlaw.com\/en-sg\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/fenchurchlaw.com\/en-sg\/#\/schema\/person\/294f1e7dc25d436c122588e06bf77d44","name":"Rob Goodship","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/95b84b90151711c697e1b5595c8ffc95beed9fe4630df1c78eb835664480dc88?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/95b84b90151711c697e1b5595c8ffc95beed9fe4630df1c78eb835664480dc88?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/95b84b90151711c697e1b5595c8ffc95beed9fe4630df1c78eb835664480dc88?s=96&d=mm&r=g","caption":"Rob Goodship"},"url":"https:\/\/fenchurchlaw.com\/en-sg\/author\/robgoodship\/"}]}},"_links":{"self":[{"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/posts\/230","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/users\/74"}],"replies":[{"embeddable":true,"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/comments?post=230"}],"version-history":[{"count":1,"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/posts\/230\/revisions"}],"predecessor-version":[{"id":1063,"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/posts\/230\/revisions\/1063"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/media\/231"}],"wp:attachment":[{"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/media?parent=230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/categories?post=230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fenchurchlaw.com\/en-sg\/wp-json\/wp\/v2\/tags?post=230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}