{"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":"a-ronald-fletcher-baker-llp-e-a-selborne-chambers-obtem-autorizacao-para-recorrer-num-processo-relativo-a-premios-de-seguro","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/pt\/percepcoes\/a-ronald-fletcher-baker-llp-e-a-selborne-chambers-obtem-autorizacao-para-recorrer-num-processo-relativo-a-premios-de-seguro\/","title":{"rendered":"A Ronald Fletcher Baker LLP e a Selborne Chambers obt\u00eam autoriza\u00e7\u00e3o para recorrer no processo relativo aos pr\u00e9mios de seguro"},"content":{"rendered":"

In a significant development for the im\u00f3veis comerciais<\/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<\/a> Baker LLP, assisted Nicholas Trompeter, KC<\/a> de Selborne Chambers<\/a>, to successfully argue for the appeal, which vontade<\/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 Parceiros<\/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 comercial<\/a> propriedade<\/a> market since at least the 1970s.<\/p>\n\n\n\n

A decis\u00e3o do Supremo Tribunal<\/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

O recebimento e a reten\u00e7\u00e3o de comiss\u00f5es de seguros constitu\u00edam uma pr\u00e1tica generalizada e de longa data no mercado imobili\u00e1rio comercial do Reino Unido, especialmente na altura em que o contrato de arrendamento original foi celebrado, em 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

Embora os inquilinos contribuam para a comiss\u00e3o, o pacote global \u2014 que inclui o pr\u00e9mio l\u00edquido, a amplitude da cobertura e a comiss\u00e3o \u2014 representa, em muitos casos, uma proposta de valor mais vantajosa do que aquela que o inquilino poderia obter por conta pr\u00f3pria no mercado livre. Isto pode ser particularmente verdadeiro no caso de locais complexos e de alto risco na zona central de Londres.<\/p>\n\n\n\n

O Recurso<\/h2>\n\n\n\n

O tribunal ir\u00e1 determinar se o termo \u201cpr\u00e9mio\u201d, tal como entendido no mercado e pelas partes na altura em que o contrato de arrendamento foi celebrado, inclui o pr\u00e9mio bruto total, que abrange as comiss\u00f5es, sejam estas partilhadas ou n\u00e3o.<\/p>\n\n\n\n

Al\u00e9m disso, o Tribunal de Recurso ir\u00e1 analisar se \u00e9 adequado incluir uma \u201ccl\u00e1usula impl\u00edcita Havenridge\u201d em contratos de arrendamento redigidos por profissionais e, em caso afirmativo, qual deve ser o seu \u00e2mbito de aplica\u00e7\u00e3o. Uma quest\u00e3o importante a ser respondida \u00e9 se \u00e9 necess\u00e1rio realizar uma an\u00e1lise contrafactual sobre o que um senhorio poderia receber numa negocia\u00e7\u00e3o \u201cnormal\u201d em condi\u00e7\u00f5es de mercado ao abrigo de tal cl\u00e1usula impl\u00edcita.<\/p>\n\n\n\n

Al\u00e9m disso, o Tribunal de Recurso ir\u00e1 analisar qual era a base dos pagamentos que tinham sido efetuados no passado e o \u00e2mbito adequado do pedido de restitui\u00e7\u00e3o apresentado pelo inquilino.<\/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> foi fundamental para a obten\u00e7\u00e3o da autoriza\u00e7\u00e3o para este recurso, tendo sido mandatado por Rudi Ramdarshan, Victoria Huxley e Nii-Amaa Ollennu, da sociedade de advogados 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