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.infobox-above{font-style:italic;font-size:125%}.mw-parser-output .ib-court-case .infobox-header{white-space:nowrap}.mw-parser-output .ib-court-case .ib-court-case-red-header{background-color:red;color:white;font-weight:bold}.mw-parser-output .ib-court-case .ib-court-case-green-header{background-color:green;color:white;font-weight:bold}</style><table class="infobox scotus ib-court-case"><tbody><tr><th colspan="2" class="infobox-above fn"><i>Lambert v Co-operative Insurance Society Ltd</i></th></tr><tr><td colspan="2" class="infobox-image"><span class="mw-default-size" typeof="mw:File/Frameless"><a href="/wiki/File:Cigarettes.JPG" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/1/1e/Cigarettes.JPG/180px-Cigarettes.JPG" decoding="async" width="180" height="115" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/1/1e/Cigarettes.JPG/270px-Cigarettes.JPG 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/1/1e/Cigarettes.JPG/360px-Cigarettes.JPG 2x" data-file-width="1068" data-file-height="685" /></a></span></td></tr><tr><th scope="row" class="infobox-label">Court</th><td class="infobox-data">High Court</td></tr><tr><th scope="row" class="infobox-label">Citation</th><td class="infobox-data">[1975] 2 Lloyd’s Rep 485</td></tr><tr><th colspan="2" class="infobox-header">Court membership</th></tr><tr><th scope="row" class="infobox-label">Judge sitting</th><td class="infobox-data"><a href="/wiki/Brian_MacKenna_(judge)" class="mw-redirect" title="Brian MacKenna (judge)">MacKenna J</a></td></tr><tr><th colspan="2" class="infobox-header">Keywords</th></tr><tr><td colspan="2" class="infobox-full-data"><a href="/wiki/Misrepresentation" title="Misrepresentation">Misrepresentation</a>, <a href="/wiki/Insurance" title="Insurance">insurance</a>, <i><a href="/wiki/Uberrimae_fidei" class="mw-redirect" title="Uberrimae fidei">uberrimae fidei</a></i></td></tr></tbody></table> <p><i><b>Lambert v Co-operative Insurance Society Ltd</b></i> [1975] 2 Lloyd’s Rep 485 is an <a href="/wiki/English_contract_law" title="English contract law">English contract law</a> case concerning <a href="/wiki/Misrepresentation_in_English_law" class="mw-redirect" title="Misrepresentation in English law">misrepresentation</a>. It is an example of the operation of a positive duty of <a href="/wiki/Good_faith" title="Good faith">good faith</a> in contracts for insurance. </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Facts">Facts</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Lambert_v_Co-op_Insurance_Society_Ltd&action=edit&section=1" title="Edit section: Facts"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Mrs Lambert signed a proposal form for ‘All Risks’ insurance over her husband’s jewelry, without mentioning her husband was convicted previously of receiving 1730 stolen <a href="/wiki/Cigarettes" class="mw-redirect" title="Cigarettes">cigarettes</a> and was fined £25. The Co-op issued the policy. Mr Lambert was convicted of two more dishonesty offences in 1971 and sentenced to 15 months jail. Mrs Lambert did not reveal this either when the policy was renewed in 1972. In April 1972 some items worth £311 were lost or stolen and the Co-op refused on the basis of a failure to disclose. </p> <div class="mw-heading mw-heading2"><h2 id="Judgement">Judgement</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Lambert_v_Co-op_Insurance_Society_Ltd&action=edit&section=2" title="Edit section: Judgement"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p><a href="/wiki/Brian_MacKenna_(judge)" class="mw-redirect" title="Brian MacKenna (judge)">Mackenna J</a> held ‘the assured is under a duty of disclosure… [but the] extent of the duty is the matter in controversy.’ You could have a duty to disclose everything you think is material, everything a reasonable person thinks is, everything the particular insurer thinks is, or everything a reasonable or prudent insurer thinks is, like in s 18 <a href="/wiki/Marine_Insurance_Act_1906" title="Marine Insurance Act 1906">Marine Insurance Act 1906</a>. Because there is no difference between this insurance and marine insurance in principle, it should be the latter. He did however say the law was unsatisfactory and the Co-op were doing ‘a heartless thing… but that is their business, not mine.’ </p> <div class="mw-heading mw-heading2"><h2 id="See_also">See also</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Lambert_v_Co-op_Insurance_Society_Ltd&action=edit&section=3" title="Edit section: See also"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="navbox-styles"><style data-mw-deduplicate="TemplateStyles:r1129693374">.mw-parser-output .hlist dl,.mw-parser-output .hlist ol,.mw-parser-output .hlist ul{margin:0;padding:0}.mw-parser-output .hlist dd,.mw-parser-output .hlist dt,.mw-parser-output .hlist li{margin:0;display:inline}.mw-parser-output .hlist.inline,.mw-parser-output .hlist.inline dl,.mw-parser-output .hlist.inline ol,.mw-parser-output .hlist.inline ul,.mw-parser-output .hlist dl dl,.mw-parser-output .hlist dl ol,.mw-parser-output .hlist dl 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"}.mw-parser-output .navbar-brackets::after{margin-left:-0.125em;content:" ]"}.mw-parser-output .navbar li{word-spacing:-0.125em}.mw-parser-output .navbar a>span,.mw-parser-output .navbar a>abbr{text-decoration:inherit}.mw-parser-output .navbar-mini abbr{font-variant:small-caps;border-bottom:none;text-decoration:none;cursor:inherit}.mw-parser-output .navbar-ct-full{font-size:114%;margin:0 7em}.mw-parser-output .navbar-ct-mini{font-size:114%;margin:0 4em}html.skin-theme-clientpref-night .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}@media(prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .navbar li a abbr{color:var(--color-base)!important}}@media print{.mw-parser-output .navbar{display:none!important}}</style><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Clist_misrepresentation" title="Template:Clist misrepresentation"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Clist_misrepresentation" title="Template talk:Clist misrepresentation"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Clist_misrepresentation" title="Special:EditPage/Template:Clist misrepresentation"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Misrepresentation_sources" style="font-size:114%;margin:0 4em">Misrepresentation sources</div></th></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Carter_v_Boehm" title="Carter v Boehm">Carter v Boehm</a></i> (1766) 3 Burr 1905</div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Erlanger_v_New_Sombrero_Phosphate_Co" title="Erlanger v New Sombrero Phosphate Co">Erlanger v New Sombrero Phosphate Co</a></i> (1878) 3 App Cas 1218</div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Redgrave_v_Hurd" title="Redgrave v Hurd">Redgrave v Hurd</a></i> (1881) 20 Ch D 1</div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Derry_v_Peek" title="Derry v Peek">Derry v Peek</a></i> [1889] <a rel="nofollow" class="external text" href="http://www.bailii.org/uk/cases/UKHL/1889/1.html">UKHL 1</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Hedley_Byrne_%26_Co_Ltd_v_Heller_%26_Partners_Ltd" title="Hedley Byrne & Co Ltd v Heller & Partners Ltd"><span class="wrap">Hedley Byrne & Co Ltd v Heller & Partners Ltd</span></a></i> [1963] <a rel="nofollow" class="external text" href="http://www.bailii.org/uk/cases/UKHL/1963/4.html">UKHL 4</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Car_and_Universal_Finance_Co_Ltd_v_Caldwell" title="Car and Universal Finance Co Ltd v Caldwell"><span class="wrap">Car and Universal Finance Co Ltd v Caldwell</span></a></i> [1965] 1 QB 525</div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><a href="/wiki/Misrepresentation_Act_1967" title="Misrepresentation Act 1967">Misrepresentation Act 1967</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Lambert_v_Co-op_Insurance_Ltd" class="mw-redirect" title="Lambert v Co-op Insurance Ltd">Lambert v Co-op Insurance Ltd</a></i> [1975] 2 Lloyd's Rep 485</div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Esso_Petroleum_Co_Ltd_v_Mardon" title="Esso Petroleum Co Ltd v Mardon">Esso Petroleum Co Ltd v Mardon</a></i> [1976] <a rel="nofollow" class="external text" href="http://www.bailii.org/ew/cases/EWCA/Civ/1976/4.html">EWCA Civ 4</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/East_v_Maurer" title="East v Maurer">East v Maurer</a></i> [1990] <a rel="nofollow" class="external text" href="http://www.bailii.org/ew/cases/EWCA/Civ/1990/6.html">EWCA Civ 6</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Royscot_Trust_Ltd_v_Rogerson" title="Royscot Trust Ltd v Rogerson">Royscot Trust Ltd v Rogerson</a></i> [1991] <a rel="nofollow" class="external text" href="http://www.bailii.org/ew/cases/EWCA/Civ/1991/12.html">EWCA Civ 12</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Saamco_v_York_Montague_Ltd" class="mw-redirect" title="Saamco v York Montague Ltd">Saamco v York Montague Ltd</a></i> [1996] <a rel="nofollow" class="external text" href="http://www.bailii.org/uk/cases/UKHL/1996/10.html">UKHL 10</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><i><a href="/wiki/Shogun_Finance_Ltd_v_Hudson" title="Shogun Finance Ltd v Hudson">Shogun Finance Ltd v Hudson</a></i> [2003] <a rel="nofollow" class="external text" href="http://www.bailii.org/uk/cases/UKHL/2003/62.html">UKHL 62</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><a href="/wiki/Unfair_Commercial_Practices_Directive" class="mw-redirect" title="Unfair Commercial Practices Directive">Unfair Commercial Practices Directive</a> <a rel="nofollow" class="external text" href="http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=OJ:L:2005:149:0022:0039:EN:PDF">2005/29/EC</a></div></td></tr><tr><td colspan="2" class="navbox-list navbox-off" style="width:100%;padding:0"><div style="padding:0 0.25em"><a href="/wiki/Unfair_Trading_Regulations_2008" class="mw-redirect" title="Unfair Trading Regulations 2008">Unfair Trading Regulations 2008</a> (<a rel="nofollow" class="external text" href="http://www.legislation.gov.uk/uksi/2008/1277/pdfs/uksi_20081277_en.pdf">SI 2008/1277</a>)</div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div><a href="/wiki/Misrepresentation_in_English_law" class="mw-redirect" title="Misrepresentation in English law">Misrepresentation in English law</a></div></td></tr></tbody></table></div> <ul><li><a href="/wiki/English_contract_law" title="English contract law">English contract law</a></li> <li><a href="/wiki/Misrepresentation_in_English_law" class="mw-redirect" title="Misrepresentation in English 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