{"id":6492,"date":"2025-07-08T10:03:22","date_gmt":"2025-07-08T10:03:22","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=6492"},"modified":"2025-07-08T14:04:32","modified_gmt":"2025-07-08T14:04:32","slug":"ronald-fletcher-baker-llp-selborne-chambers-obtient-lautorisation-de-faire-appel-dans-une-affaire-de-primes-dassurance","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/fr\/perspectives\/ronald-fletcher-baker-llp-selborne-chambers-obtient-lautorisation-de-faire-appel-dans-une-affaire-de-primes-dassurance\/","title":{"rendered":"Ronald Fletcher Baker LLP & Selborne Chambers obtiennent l'autorisation de faire appel dans une affaire de primes d'assurance"},"content":{"rendered":"

In a significant development for the propri\u00e9t\u00e9 commerciale<\/a> sector, the High Court has granted permission to appeal<\/a> in London<\/a> Trocadero (2015) LLP v Picturehouse Cinemas Ltd. The legal team<\/a> at Ronald Fletcher Baker LLP, assisted Nicholas Trompeter KC<\/a> de Chambres de Selborne<\/a>, to successfully argue for the appeal, which va<\/a> now proceed to the Court of Appeal. The case confronts a surprising High Court decision that challenges decades of established market practice regarding insurance premiums and landlord-retained commissions.<\/p>\n\n\n\n

The appeal, led by Partenaires<\/a> Rudi Ramdarshan, Victoria Huxley, and Associate Nii-Amaa Ollennu of Ronald Fletcher Baker LLP, will provide critical clarity on practices that have been a cornerstone of the UK commercial<\/a> propri\u00e9t\u00e9<\/a> market since at least the 1970s.<\/p>\n\n\n\n

La d\u00e9cision de la Haute Cour<\/h2>\n\n\n\n

The High Court\u2019s initial finding turned on a narrow interpretation of the word “premium” in a lease<\/a> granted in 1994. The Court held that commissions retained by a landlord<\/a> did not form part of the “premium payable\u2026 for keeping<\/a> the Centre insured”.<\/p>\n\n\n\n

This finding, however, runs contrary to the shared view of the insurance experts for both sides in the case, who agreed that in insurance industry<\/a> terminology, commission is considered part of the gross premium.<\/p>\n\n\n\n

Recevoir et conserver des commissions d'assurance \u00e9tait une caract\u00e9ristique r\u00e9pandue et de longue date du march\u00e9 britannique de l'immobilier commercial, en particulier \u00e0 l'\u00e9poque o\u00f9 le bail initial a \u00e9t\u00e9 accord\u00e9 en 1994.<\/p>\n\n\n\n

It was common for large institutional landlords to arrange commission via<\/a> a “block policy” that covers multiple properties. This scale provides significant negotiating leverage that an individual<\/a> tenant could never hope to achieve. Landlords can access specialist insurers, secure more favourable terms, and potentially achieve more competitive net premiums. Landlords are able to leverage their portfolio’s scale to deliver a superior insurance product to their tenants.<\/p>\n\n\n\n

Bien que les locataires contribuent \u00e0 la commission, l'offre globale - comprenant la prime nette, l'\u00e9tendue de la couverture et la commission - repr\u00e9sente souvent une meilleure proposition de valeur que ce que le locataire pourrait obtenir ind\u00e9pendamment sur le march\u00e9 libre. Cela peut \u00eatre particuli\u00e8rement le cas pour les sites complexes et \u00e0 haut risque situ\u00e9s dans le centre de Londres.<\/p>\n\n\n\n

L'appel<\/h2>\n\n\n\n

Le tribunal examinera si la \u201cprime\u201d, telle qu'elle est comprise sur le march\u00e9 et par les parties au moment o\u00f9 le bail a \u00e9t\u00e9 accord\u00e9, comprend la totalit\u00e9 de la prime brute, qui inclut les commissions, qu'elles soient partag\u00e9es ou non.<\/p>\n\n\n\n

En outre, la Cour d'appel examinera s'il est appropri\u00e9 d'inclure une \u201cclause implicite Havenridge\u201d dans les baux r\u00e9dig\u00e9s par des professionnels et, dans l'affirmative, quelle devrait \u00eatre sa port\u00e9e. Une question importante \u00e0 laquelle il faudra r\u00e9pondre est celle de savoir s'il est n\u00e9cessaire de proc\u00e9der \u00e0 une enqu\u00eate contrefactuelle pour d\u00e9terminer ce qu'un propri\u00e9taire pourrait recevoir dans le cadre d'une n\u00e9gociation \u201cnormale\u201d dans des conditions de concurrence normale en vertu d'une telle clause implicite.<\/p>\n\n\n\n

En outre, la Cour d'appel se penchera sur la question de savoir quelle \u00e9tait la base des paiements effectu\u00e9s par le pass\u00e9 et sur l'\u00e9tendue de la demande de restitution d'un locataire.<\/p>\n\n\n\n

The High Court’s finding surprised many in the industry, as it challenged a market practice that has been in place since at least the 1970s. It is therefore right<\/a> that the Court of Appeal will now address these important questions on the meaning of “premium”, implied terms, and the scope of any claim in restitution. Nicholas Trompeter KC<\/a> a jou\u00e9 un r\u00f4le d\u00e9terminant dans l'obtention de l'autorisation d'interjeter appel, sous la direction de Rudi Ramdarshan, Victoria Huxley et Nii- Amaa Ollennu du cabinet Ronald Fletcher Baker LLP.<\/p>","protected":false},"author":12,"featured_media":6493,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[62],"tags":[],"class_list":["post-6492","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-litigation"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t