Representations, Warranties And Conditions Precedent: Lonham Group v Scotbeef

In Lonham Group Ltd v Scotbeef Ltd [2025] EWCA Civ 203, the Court of Appeal clarified when insurance policy clauses constitute pre-contractual representations or enforceable warranties and conditions precedent under the Insurance Act 2015, providing important guidance for both insurers and policyholders.

In the landmark decision, the Court of Appeal provided crucial guidance on:

• whether clauses of an insurance policy were warranties and conditions precedent to insurers liability under the policy (such that section 10 of the Insurance Act 2015 (the 2015 Act) applied where there was a breach) and;
• whether a clause was a representation (such that Section 3 of the 2015 Act applied in context of the duty of fair presentation of risk).