(Re)Insurance Weekly Update 32- 2018

A summary of recent developments in insurance, reinsurance and litigation law.

Ward Solicitors v Hendawi: Case on service of claim form at "last known address"


Where an individual defendant does not give an address for service of the claim form, and personal service cannot be carried out, CPR r6.9 provides that service can be made at his/her "usual or last known residence". CPR r6.9(3) provides that where a claimant has "reason to believe" that that address is an address at which the defendant no longer resides or carries on business, the claimant must take reasonable steps to ascertain the address of the defendant's current residence.

In this case, the claimant had sent a letter by post to the address which it had for the defendant. The letter was not returned undelivered, but the defendant had told the claimant that he had not received the letter. The letter had also been sent by email to the defendant. About a year later, the claimant served its claim form at the same address, on the basis that it was the defendant's "last known residence". The claimant was unaware that the defendant had left that address a year earlier. The defendant argued that the claimant had had "reason to believe" that he no longer resided at this address.

On the facts, the prior version of CPR r6 applied, and hence the "reason to believe" argument did not arise. However, the judge said that, had the new rules applied, he would have held that there had been no "reason to believe": "The claimant knew that the letter had not been returned undelivered. The defendant could have explained, but did not, that the reason he did not receive it was that he had moved away. In my judgment, this would not amount to "reason to believe" on the part of the claimant that the last known residence is an address at which the defendant no longer resides. What had happened was potentially explicable on that basis, but was also explicable on the simpler basis that the letter of 16 January had been mis-delivered by the post office. At best, it amounted to a matter which might be further investigated. Unfortunately, the claimant did not do so".

COMMENT: This case follows a line of cases which have been reluctant to find that "reason to believe" exists. For example, in Key Homes Bradford v Patel (see Weekly Update 02/14) it was held that a "relatively high knowledge threshold" would have to be...

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