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Caroline McColgan

Call 2010

"She expertly deals with particularly difficult and robust challenges to her position, whilst maintaining a cool, pragmatic and commercial head."
(Legal 500, 2020)

Property Damage

Caroline has extensive experience of Property Damage matters. She regularly advises on issues of subrogation and/or policy coverage and accepts instructions from both claimants and defendants. A number of the claims she has handled have involved defective electrical or plumbing products, which have resulted in fire and flood damage to premises. Caroline is comfortable in dealing with complex expert evidence and handling increasingly high value claims.

Selected Cases

  • FCA Test Case [2020] Commercial Court – acting for Zurich as 8th Defendant to the FCA’s claim to test the response of certain policies of non-damage business interruption insurance to Covid-19.  Caroline is being led by Andrew Rigney QC;
  • A v B & Anor [2020], TCC – Acting for the Claimant property owner and its insurers in a subrogated recovery for losses arising out of the destruction of a stately home.
  • 2 Entertain & Ors v Sony DADC [2019], TCC – Acting for the Defendant warehouse-owner in this claim for damages following a catastrophic fire set during the London Riots. Caroline was led by Ben Quiney QC and represented Sony at all stages of proceedings, culminating in a 14 day trial in the TCC.
  • TRW & Anor v Whirlpool & Ors [2019], TCC – Acting for a freehold owner of premises destroyed by a fire caused by a defective white goods product. Quantum exceeds £9m. Caroline is being led by Andrew Rigney QC.
  • C v D [2019] – Acting for the Respondent in confidential arbitration proceedings concerning a large fire at industrial premises in the UAE. Caroline is being led by Andrew Rigney QC.
  • X v Y [2017] – Acting for the Claimant in confidential arbitration proceedings arising out of a residential development in central London where damage had occurred as a result of basement excavation works at a neighbouring property.
  • Tideland Ltd v Westminster City Council [2015], TCC – A £multi-million claim for tree root induced subsidence and raising difficult issues of quantum as well as liability. Caroline was led by Muhammed Haque QC.
  • Chliaifchtein v Wainbridge Estates Belgravia Ltd [2015], TCC –  Acting  for  the  Defendant  in  a claim for nuisance and also involving complex issues under the Party Wall etc Act 1996. Caroline was led by Michael Curtis QC and instructed with Crispin Winser and Michele de Gregorio.
  • Various Claimants v Lancashire County Developments Limited [2014], TCC – Acting for the defendant in several £multi-million claims arising from a catastrophic fire at a business park. Caroline was led by Graham Eklund QC and instructed with Miles Harris.
  • Amlin Corporate Member Ltd & Ors v Oriental Assurance Company [2014] EWCA Civ 1135 – Acting for the Defendant at trial and on appeal in this major international reinsurance case concerning the correct interpretation and application of a typhoon warranty. Caroline was led by Roger Ter Haar QC and was sole junior.
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  • 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)


  • PNBA


“She completely engages with cases and is energetic and proactive.”

Chambers & Partners, 2022

“Caroline is very bright, a superb lawyer, immensely hard-working and dedicated, fantastic with clients, has great judgement and is an absolute pleasure to work with.”

Legal 500, 2022

“She is user-friendly on claims in the High Court.”

Chambers & Partners, 2022

“Caroline is very knowledgeable, industrious, and a real team player.”

Legal 500, 2022

“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

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