{"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-si%cc%87gorta-pri%cc%87mi%cc%87-davasinda-temyi%cc%87z-i%cc%87zni%cc%87-aldi","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/tr\/icgoruler\/ronald-fletcher-baker-llp-selborne-chambers-si%cc%87gorta-pri%cc%87mi%cc%87-davasinda-temyi%cc%87z-i%cc%87zni%cc%87-aldi\/","title":{"rendered":"Ronald Fletcher Baker LLP & Selborne Chambers Sigorta Primi Davas\u0131nda Temyiz \u0130zni Ald\u0131"},"content":{"rendered":"

In a significant development for the ti\u0307cari\u0307 m\u00fclk<\/a> sector, the High Court has granted permission to appeal<\/a> i\u00e7inde London<\/a> Trocadero (2015) LLP v Picturehouse Cinemas Ltd. The legal team<\/a> at Ronald Fletcher Baker LLP, assisted Nicholas Trompeter KC<\/a> . Selborne Chambers<\/a>, to successfully argue for the appeal, which will<\/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 Ortaklar<\/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 ticari<\/a> \u00f6zellik<\/a> market since at least the 1970s.<\/p>\n\n\n\n

Y\u00fcksek Mahkeme Karar\u0131<\/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

Sigorta komisyonlar\u0131n\u0131n al\u0131nmas\u0131 ve elde tutulmas\u0131, \u00f6zellikle 1994 y\u0131l\u0131nda ilk kira kontrat\u0131n\u0131n verildi\u011fi d\u00f6nemde, Birle\u015fik Krall\u0131k ticari m\u00fclk piyasas\u0131n\u0131n yayg\u0131n ve uzun s\u00fcredir devam eden bir \u00f6zelli\u011fiydi.<\/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

Kirac\u0131lar komisyona katk\u0131da bulunurken, net prim, kapsam\u0131n geni\u015fli\u011fi ve komisyondan olu\u015fan genel paket, \u00e7o\u011fu durumda kirac\u0131n\u0131n a\u00e7\u0131k piyasada ba\u011f\u0131ms\u0131z olarak elde edebilece\u011finden daha iyi bir de\u011fer teklifini temsil eder. Bu durum \u00f6zellikle Londra'daki karma\u015f\u0131k ve y\u00fcksek riskli sahalar i\u00e7in ge\u00e7erli olabilir.<\/p>\n\n\n\n

Temyiz<\/h2>\n\n\n\n

Mahkeme, kira s\u00f6zle\u015fmesinin yap\u0131ld\u0131\u011f\u0131 tarihte piyasada ve taraflarca anla\u015f\u0131ld\u0131\u011f\u0131 \u015fekliyle \u201cprimin\u201d, payla\u015f\u0131ls\u0131n ya da payla\u015f\u0131lmas\u0131n komisyonlar\u0131 da i\u00e7eren br\u00fct primin tamam\u0131n\u0131 kapsay\u0131p kapsamad\u0131\u011f\u0131n\u0131 ele alacakt\u0131r.<\/p>\n\n\n\n

Buna ek olarak, Temyiz Mahkemesi, profesyonelce haz\u0131rlanm\u0131\u015f kira s\u00f6zle\u015fmelerine \u201cHavenridge Z\u0131mni \u015eart\u0131\u201d eklenmesinin uygun olup olmad\u0131\u011f\u0131n\u0131 ve e\u011fer uygunsa kapsam\u0131n\u0131n ne olmas\u0131 gerekti\u011fini de\u011ferlendirecektir. Cevaplanmas\u0131 gereken \u00f6nemli bir soru, b\u00f6yle bir z\u0131mni \u015fart alt\u0131nda \u201cnormal\u201d bir emsal pazarl\u0131\u011f\u0131nda ev sahibinin ne alaca\u011f\u0131na ili\u015fkin bir kar\u015f\u0131 olgusal ara\u015ft\u0131rma yap\u0131lmas\u0131 gerekip gerekmedi\u011fidir.<\/p>\n\n\n\n

Temyiz Mahkemesi ayr\u0131ca, ge\u00e7mi\u015fte yap\u0131lan \u00f6demelerin temelinin ne oldu\u011funu ve bir kirac\u0131n\u0131n iade talebinin uygun kapsam\u0131n\u0131 ele alacakt\u0131r.<\/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> Ronald Fletcher Baker LLP'den Rudi Ramdarshan, Victoria Huxley ve Nii- Amaa Ollennu'nun talimat\u0131yla bu temyiz ba\u015fvurusu i\u00e7in izin al\u0131nmas\u0131nda etkili olmu\u015ftur.<\/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