Every year, hundreds of insurance related disputes are lodged with the courts of England and Wales, representing billions of pounds worth of disputed insurance claims.

This is the sharp end of the industry, where insurers and their clients lock horns, unpicking insurance contracts, scrapping over exclusions, cover definitions and disclosures whilst battling it out to determine who owes what to whom.

The Mactavish Claims Litigation report  summarises our conclusions from a review of well over 2,000 court claims issued over the last decade. Viewed together, the variety and volume of disputes lodged at the High Court provides an extraordinary vista on the culture and practice of the UK insurance market, particularly when it comes to understanding the pivot upon which the entire industry swings: how and when claims are paid.