FRIENDS PROVIDENT LIFE & PENSIONS LTD v SIRIUS INTERNATIONAL INSURANCE

[2005] 2 Lloyd's Rep. 517

COURT OF APPEAL

Before Lord Justice Waller, Lord Justice Mance and Sir William Aldous

Insurance (professional indemnity) - Primary layer policy imposing condition precedent that claims be notified as soon as possible during period of insurance - Excess layer policies incorporating terms of primary layer policy - Effect of incorporation - Whether extended cover under first layer policy incorporated into excess layer policies - Whether notification to brokers appointed by primary layer insurers was also given to excess layer policies - Whether notification clause a condition precedent to liability - Effect of breach of notification clause if not a condition precedent.