Why you can't reject a late notification unless you can show prejudice

In the recent decision of Sirius v Friends Provident, the Court of Appeal has closed a door previously left ajar in Alfred MacAlpine v BAI (Runoff). The court confirmed that unless a claims notification clause is expressed as a condition precedent to insurers' liability, insurers will not be able to reject late-notified claims unless they can show that they have suffered some prejudice.BackgroundWhere compliance with a condition - such as a claims notification clause - in a (re)insurance con