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Claims

General

What general rules, requirements and procedures govern the filing of insurance claims?

This depends on the terms of the contract and the governing law of the contract.

Time bar

What is the time bar for filing claims?

This depends on the terms of the contract and the governing law of the contract.

Denial of claim

On what grounds can the (re)insurer deny coverage?

This depends on the terms of the contract and the governing law of the contract.

What rules and procedures govern the insured’s challenge of the denial of a claim?

This depends on the terms of the contract and the governing law of the contract.

Third-party actions

On what grounds can a third party file a claim directly with the (re)insurer?

This depends on the terms of the contract and the governing law of the contract.

The Contracts (Rights for Third Parties) Law 2014 provides that a third party may, in its own right, enforce a term of a contract if it is expressly identified in the contract by name and the contract expressly provides in writing that it may.

Punitive damages

Are punitive damages insurable?

This depends on the terms of the contract and the governing law of the contract.

Subrogation

What regime governs (re)insurers’ subrogation rights?

This depends on the terms of the contract and the governing law of the contract.

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