The on-going debate regarding CPC's has been clarified in a High Court judgement granted on 3 February 2016.

The judge held that it was clear that CPC's were "aimed at compensating the insured in respect of those particulars of details that the defendant had requested and not those costs the plaintiff incurred of its own accord and in order to determine the costs of reinstating the property".

Each case would need to be dealt with on their own facts, and the particular policy wording.

The observations made by the judge do however accord with the views which we have expressed consistently in the past.