{"id":13719,"date":"2017-08-18T04:19:09","date_gmt":"2017-08-18T04:19:09","guid":{"rendered":"http:\/\/192.168.1.14\/index.php\/2017\/08\/18\/%e4%bf%9d%e9%99%a9%e4%ba%ba%e7%9a%84%e6%b2%89%e9%bb%98%e4%bc%9a%e5%af%b9%e4%bb%96%e4%bb%ac%e4%b8%8d%e5%88%a9%ef%bc%8c%e5%ae%a2%e6%88%b7%e5%8f%af%e5%88%a9%e7%94%a8%e8%bf%99%e7%82%b9%e5%af%b9%e6%8a%97\/"},"modified":"2025-08-29T13:07:20","modified_gmt":"2025-08-29T05:07:20","slug":"%e4%bf%9d%e9%99%a9%e4%ba%ba%e7%9a%84%e6%b2%89%e9%bb%98%e4%bc%9a%e5%af%b9%e4%bb%96%e4%bb%ac%e4%b8%8d%e5%88%a9%ef%bc%8c%e5%ae%a2%e6%88%b7%e5%8f%af%e5%88%a9%e7%94%a8%e8%bf%99%e7%82%b9%e5%af%b9%e6%8a%97","status":"publish","type":"post","link":"https:\/\/andrewliu.com.hk\/zh\/%e4%bf%9d%e9%99%a9%e4%ba%ba%e7%9a%84%e6%b2%89%e9%bb%98%e4%bc%9a%e5%af%b9%e4%bb%96%e4%bb%ac%e4%b8%8d%e5%88%a9%ef%bc%8c%e5%ae%a2%e6%88%b7%e5%8f%af%e5%88%a9%e7%94%a8%e8%bf%99%e7%82%b9%e5%af%b9%e6%8a%97\/","title":{"rendered":"\u4fdd\u9669\u4eba\u7684\u6c89\u9ed8\u4f1a\u5bf9\u4ed6\u4eec\u4e0d\u5229\uff0c\u5ba2\u6237\u53ef\u5229\u7528\u8fd9\u70b9\u5bf9\u6297\u4ed6\u4eec\uff01"},"content":{"rendered":"

 \"pdf\" \u4e2d\u6587<\/a>   \"pdf\" ENG<\/a><\/p>\n

\u5728\u6700\u8fd1\u7684 Ted Baker v AXA [2017] EWCA Civ 4097 \u4e00\u6848\u4e2d\uff0c\u4e0a\u8bc9\u6cd5\u9662\u9996\u6b21\u8003\u8651\uff0c\u5728\u7406\u8d54\u5904\u7406\u671f\u95f4\uff0c\u4fdd\u9669\u4eba\u662f\u5426\u6216\u5728\u4ec0\u4e48\u60c5\u51b5\u4e0b\u6709\u8d23\u4efb\u6f84\u6e05(speak)\u7684\u95ee\u9898\uff0c\u4e5f\u5c31\u662f\uff0c\u4fdd\u9669\u4eba\u5fc5\u987b\u6e05\u6670\u8868\u660e\u7acb\u573a\uff0c\u4ece\u800c\u907f\u514d\u7981\u6b62\u53cd\u8a00\uff0c\u4e0d\u5f97\u505a\u7a0b\u5e8f\u6027\u8fa9\u62a4\u3002\u5b9e\u9645\u60c5\u51b5\u662f\uff0c\u4fdd\u9669\u4eba\u6307\u6d3e\u7684\u7406\u8d54\u5e08\u6309\u7167\u60ef\u4f8b\uff0c\u8981\u6c42\u7c7b\u4f3c\u201c\u8d2d\u7269\u6e05\u5355\u201d\u7684\u6587\u4ef6\uff0c\u7528\u4ee5\u8bc1\u660e\u7d22\u8d54\u91d1\u989d\u7684\u7ec4\u6210\u548c\u7406\u7531\u3002\u4fdd\u9669\u4eba\u968f\u540e\u4fdd\u6301\u6c89\u9ed8\uff0c\u4e4b\u540e\u53c8\u63d0\u51fa\u7a0b\u5e8f\u6027\u8fa9\u62a4\u3002<\/p>\n

\u8be6\u7ec6\u4fe1\u606f\u8bf7\u53c2\u9605\u9644\u4ef6\u3002<\/p>\n

 <\/p>\n

Insurer\u2019s silence can go against them and clients should use it against them!<\/strong><\/span><\/p>\n

In a recent case Ted Baker v AXA [2017] EWCA Civ 4097, the Court of Appeal has for the first time considered the issue of whether and in what circumstances an insurer might be under a duty to speak during the claims process, that is, is required to make its position plain in order to avoid being estopped from running certain procedural defences in due course. The factual scenario was that the loss adjuster appointed by insurers had, as was routine, requested a \u2018shopping list\u2019 of documentation which he required to substantiate the claimed quantum. The insurers remain silent subsequently and then raised the procedural defence.<\/p>\n

See attached file:
ALCO20170011 ALCO20170011 Insurer\u2019s silence can go against them and clients should use it against them!.pdf<\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

  CHN    ENG \u5728\u6700\u8fd1\u7684 Ted Baker v AXA [2017] EWCA Civ 4097 \u4e00\u6848\u4e2d\uff0c\u4e0a\u8bc9\u6cd5\u9662\u9996\u6b21\u8003\u8651\uff0c\u5728\u7406\u8d54\u5904\u7406\u671f\u95f4\uff0c\u4fdd\u9669\u4eba\u662f\u5426\u6216\u5728\u4ec0\u4e48\u60c5\u51b5\u4e0b\u6709\u8d23\u4efb\u6f84\u6e05(speak)\u7684\u95ee\u9898\uff0c\u4e5f\u5c31\u662f\uff0c\u4fdd\u9669\u4eba\u5fc5\u987b\u6e05\u6670\u8868\u660e\u7acb\u573a\uff0c\u4ece\u800c\u907f\u514d\u7981\u6b62\u53cd\u8a00\uff0c\u4e0d\u5f97\u505a\u7a0b\u5e8f\u6027\u8fa9\u62a4\u3002\u5b9e\u9645\u60c5\u51b5\u662f\uff0c\u4fdd\u9669\u4eba\u6307\u6d3e\u7684\u7406\u8d54\u5e08\u6309\u7167\u60ef\u4f8b\uff0c\u8981\u6c42\u7c7b\u4f3c\u201c\u8d2d\u7269\u6e05\u5355\u201d\u7684\u6587\u4ef6\uff0c\u7528\u4ee5\u8bc1\u660e\u7d22\u8d54\u91d1\u989d\u7684\u7ec4\u6210\u548c\u7406\u7531\u3002\u4fdd\u9669\u4eba\u968f\u540e\u4fdd\u6301\u6c89\u9ed8\uff0c\u4e4b\u540e\u53c8\u63d0\u51fa\u7a0b\u5e8f\u6027\u8fa9\u62a4\u3002 \u8be6\u7ec6\u4fe1\u606f\u8bf7\u53c2\u9605\u9644\u4ef6\u3002   Insurer\u2019s silence can go against them and clients should use it against them! In a recent case Ted Baker v AXA [2017] EWCA Civ 4097, the Court of Appeal has for the first time considered the issue of whether and in […]<\/p>","protected":false},"author":3,"featured_media":9071,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[124],"class_list":["post-13719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-circulars","tag-chinese"],"_links":{"self":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/13719","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/comments?post=13719"}],"version-history":[{"count":1,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/13719\/revisions"}],"predecessor-version":[{"id":18362,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/posts\/13719\/revisions\/18362"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media\/9071"}],"wp:attachment":[{"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/media?parent=13719"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/categories?post=13719"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/andrewliu.com.hk\/zh\/wp-json\/wp\/v2\/tags?post=13719"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}