Latest Keoghs Insight

Fourteenth Edition of the Judicial College’s Guidelines for the Assessment of General Damages in Personal Injury Cases

Client Alerts||15/09/2017

Personal Injury Discount Rate

Client Alerts||08/09/2017

Limitation (Childhood Abuse) (Scotland) Act 2017 to come into force in October 2017

Client Alerts||23/08/2017

Costs budget exaggeration is misconduct

Client Alerts||17/08/2017

Blackmore v Department for Communities and Local Government 2017 EWCA Civ 1136

Client Alerts||04/08/2017

Lord Justice Jackson's review into Fixed Recoverable Costs (FRC)

Client Alerts||01/08/2017

Sentencing guidelines: Reduction in sentence for a guilty plea – update

Client Alerts||27/07/2017

Grant v Secretary of State for Transport: Guidance on Mesothelioma quantum

Client Alerts||06/07/2017

Automated and Electric Vehicles Bill

News And Events||20/10/2017

Keoghs IT team recognised in prestigious awards

News And Events||19/10/2017

Disputed causation leaves claimants paying the price

News And Events||17/10/2017

Keoghs announce 20 promotions and four new appointments

News And Events||31/08/2017

Ex-wife’s tip-off uncovers case of stolen identity leading to award of exemplary damages

News And Events||02/08/2017

Keoghs research warns of large rise in opportunistic insurance fraud

News And Events||17/07/2017

Keoghs launches 2017 apprenticeship programme

News And Events||09/06/2017

Scotland team expands at Keoghs one month after Glasgow office unveiled

News And Events||01/06/2017

Keoghs Launches Online Ogden Multiplier Calculator


A new way of life? Magill v Panel Systems (DB Limited)


Driver disqualification and the case for exceptional hardship


Health and Safety Executive FFI invoices – new panel, same challenges


The Future of Motor Fraud - the end of the road for cash for crash?


Cyclist conviction lays bare antiquated legislation


Keoghs enforcements team celebrates landmark year with some dramatic case highlights


Recent figures illustrate real impact of health and safety sentencing guidelines


Credit Hire Aware 12


Costs Aware Issue 3


Property Aware 5


Credit Hire Aware 11


Fraud Aware 5


Costs Aware 2


Disease Aware 8


Credit Hire Aware 10


Keoghs Insight

We keep you up-to-date on emerging market issues and their impact on the insurance sector, through a variety of publications, events and our leading market initiatives.


Kelly Ellery

Property Aware 5


Welcome to the fifth edition of Property Insurance AWARE.

The last twelve months has brought about some exciting developments at Keoghs, including the opening of new offices as part of our drive to develop strong technical centres of excellence. These offices in London, Southampton and Glasgow enable us to provide clients with a national service, throughout the UK.

The commercial litigation team has also grown this year. Richard Houseago, Andrew Pieri and Ghazala Khalid have joined our London team and Stefanie Johnston has joined our office in Glasgow. Richard leads the national team and has over 30 years’ experience of major property damage and insurance coverage litigation, often involving the construction, engineering and energy sectors. Andrew has 35 years’ insurance industry experience, including 11 years as a loss adjuster, advising on claims against brokers, local authorities and advising insurers on a range of disputes. Ghazala joins as a partner having worked alongside Richard for the last 13 years. Stefanie is a dual-qualified commercial dispute partner and advises on shipping and transport disputes and policy coverage.

In this edition of AWARE we look at developments relative to emerging technologies including autonomous vehicles and drones, examining innovations behind these technologies and how they will impact future insurance law. Our team recently hosted a seminar in London which looked at changes to late payment of claims brought about by the Enterprise Act 2016, further details are provided on page 17.

We also consider the Government’s approach following concerns for health and safety in the home raised in respect of appliance fires. We offer our views on the recent case of Great Lakes and the court’s approach to the correct measure of indemnity following the destruction of property by fire and the common types of property damage claims with reference to landlord and tenant legislation. Should you have any queries, please contact Matthew Rogers or the author of the relevant article, contact details are provided overleaf.

Kelly Ellery
Solicitor, Guest Editor
T: 01204 678651

Autonomous Vehicle

Connected and autonomous vehicles... a transport revolution?


If human behaviour is the cause of so many injuries and deaths, should humans be taken out of the driving equation altogether? How long before driving our own vehicle becomes as socially unacceptable as smoking?

Appliance Fires

A new era for safety reform ... or back to the status quo?


 At worst, appliance fires can have tragic consequences, as was the case for Mr Benjamin-Muthiah who died in 2010 in a house fire caused by a defective defrost timer on the family’s Beko fridge freezer. For those who escape unharmed the outcome usually extends to the loss of irreplaceable personal items and a lengthy period in alternative accommodation whilst remedial repairs are completed.  

Landlord and tenant keys

A guide to key legislation in landlord and tenant property damage claims


This article examines the common types of property damage claims which Keoghs are often asked to review and the key legislation which will be applicable to those cases, dependent on the type of damage sustained.  

Expert Evidence

The use of expert evidence in small claims


Expert evidence is required in cases where help from a third party with the appropriate knowledge and experience to understand an issue is vital to a case.    

Arson Investigation

Arson Investigation Guide


Produced in response to client interest, this guide aims to assist insurers by identifying the pertinent issues which arise in arson cases involving buildings.

Property Seminar

Property Insurance Seminar


Late payment of claims held on 15th March 2017 We were delighted to welcome our clients and contacts to our latest seminar, held in central London.

Going underground

Going underground


We frequently receive instructions following claims arising as a result of damage to underground utilities. Often these claims will relate to damage to electricity cables, broadband / fibre optic cables, pipes and water mains.

Property damage

Property damage and the entitlement to reinstatement


The Court of Appeal (CoA) has clarified the law in respect of an insurer’s obligation to pay for the costs of reinstatement in circumstances when reinstatement may not take place.

Jigsaw piece

Finding the missing piece of the jigsaw


One of the most difficult and important aspects of any claim can be obtaining that vital piece of information or evidence which allows progress to be made.