Insurance & Reinsurance
Caroline has substantial experience of insurance and reinsurance disputes.
She is presently instructed on behalf of Zurich in the FCA Test Case litigation about Covid-19 and whether various sample policies of business interruption insurance which are not contingent on material damage are triggered by the pandemic.
Other recent instructions include 2 Entertain Video Ltd & Ors v Sony DADC Europe Limited, an £8m claim for loss following the destruction of a Sony Warehouse in North London during the 2011 riots in which Caroline was led by Ben Quiney QC. She is being led by Andrew Rigney QC in subrogated recovery proceedings arising out of a devastating fire at a Grade-I listed mansion house where the damages claimed exceed £115m. Early on in her practice, Caroline was instructed with Roger ter Haar QC to represent the Defendant in the major reinsurance case Amlin Corporate Member Ltd & Ors v Oriental Assurance Company  EWHC 2380 (Comm). She acted as junior counsel at trial in the commercial court and on appeal to the Court of Appeal (see Amlin Corporate Member Ltd & Ors v Oriental Assurance Company  EWCA Civ 1135.
- Advising on coverage issues (including Business Interruption) and generally in relation to the COVID-19 pandemic.
- Acting for a major UK reinsurance broker in a high value dispute over unpaid commission following a mid-term change of broker. The Claim settled shortly after Caroline prepared draft proceedings.
- Acting for a claimant policy holder in a £multi-million coverage dispute following a fire at a warehouse.
- Acting for insurers in one of the first direct claims under the Third Parties (Rights against Insurers) Act 2010
- Acting for claimant policy holders in a fire claim where insurers are attempting to defend proceedings for declaratory relief/damages on grounds of arson and other technical defences.
- Acting for the Defendant in a complex claim by an insurance broker against its principal (the insured) for an adjustment premium fee said to be due to an insurer. The matter raised difficult questions of agency and brokers’ duties. It was settled on very favourable terms.
- Advising an insured who had been declined cover on grounds of material non-disclosure.
- Advising on the effect of the Third Parties (Rights against Insurers) Act 1930 and whether it could be relied upon to require an insurer to meet a set of personal injury claims directly.
- Drafting a defence to a claim for declaratory relief (confirmation of cover) in a claim for consequential losses arising from storm damage;
- Advising in an insurance brokers’ dispute concerning the broker’s right to sue the insured for an alleged breach of the insurance contract.
- Supreme Court hands down its judgment in Covid-19 test case – Andrew Rigney QC and Caroline McColgan
- FCA Test Case
- 2 Entertain Video Ltd & Ors v Sony DADC Europe Ltd  EWHC 972 (TCC) – TCC gives judgment in major insurance claim arising out of the 2011 London Riots
- Remote trial or adjournment?
- Major Scholar, Inner Temple (2009 – 2010)
- BVC, BPP Law School (Very Competent) (2009 – 2010)
- Exhibitioner, Inner Temple (2008 – 2009)
- GDL, BPP Law School (Distinction) (2008 – 2009)
- Demyship, Magdalen College, Oxford (2006 – 2008)
- BA (Hons) University of Oxford (2005 – 2008)
“She is brilliant – extremely bright, immensely hardworking and very pragmatic. Nothing is too much trouble for Caroline and she is perfectly happy to roll up her sleeves and get stuck in.”
Legal 500, 2021
“Quickly assimilated large amounts of information and provided succinct advice. She was prepared, stuck to her guns under pressure, and artfully deflected some of the more difficult issues we faced.”
Legal 500, 2021
“She expertly deals with particularly difficult and robust challenges to her position, whilst maintaining a cool, pragmatic and commercial head.”
Legal 500, 2020