The insured set fire to his property as part of a suicide attempt but, as the fire developed, he changed his mind and escaped unharmed. He claimed on his policy for the damage caused by the fire. Insurers declined the claim based on the fire having been caused by the insured's own deliberate or criminal conduct. The court held that the insured could only succeed if he was not legally responsible for his actions at the time of the fire and that this should be determined in accordance with the test for insanity in criminal law. The insured therefore had to prove that he did not know what he was doing or that he did not know that what he was doing was wrong. On both the medical evidence and his own evidence, the insured had a delusional disorder and depression but nonetheless knew both what he was doing and that it was wrong. Insurers were therefore entitled to reject the claim (Porter v Zurich Insurance Company [2009])3.