UK: Damages In General Insurance Claims

Last Updated: 6 December 2002

Article by Tom Walshaw and Helen Greenwood

The following report summarises recent awards for general damages made by the courts in civil claims, or by the Criminal Injuries Compensation Board.

Part of Body/Nature




Age and gender

Brief Details

Award 」

Facial scars

Pearson (A Child) -v-Maid Marian Food Stores

Nottingham County Court / D J Reeson

Dec 2001

5 Female

Attack by dog. Bite injury to right cheek, scratches to chin, behind right ear and along left thigh. 3cm scar on cheek requiring suturing. Scar 2.3cm long by 4mm, Readily apparent on inspection at conversational distance. Revision surgery possible. Sleep disturbance for 6 months, nightmares for 2-3 months. Phobia of dogs for 1 year.



Cerikan -v- Naismith

Cheltenham County Court / D J Reed

Dec 2001

42 Male

Road Traffic Accident. Whiplash injury to neck. Pre-accident symptoms of cervical spondylitis significantly aggravated. Severe neck pain and headaches. Difficulty sleeping for 6 months. Unable to drive. Required help with personal care and housework. After 6 months neck pain and headaches improved considerably. Return to pre-accident state 10 months after accident.


Severe brain Damage

Kilbride -v- Leeds NHS Trust

QBD/ Judge Cockroft

Oct 2001

20 Female

Bowel surgery performed due to severe inflammation of the colon. Claimant became septicemic with associated restriction of oxygen leading to respiratory cardiac arrest. Resulting brain injury caused psychotic thoughts, depression, childish behaviour, memory impairment and low concentration. Some incontinence. Incapable of managing own affairs or living independently.


Respiratory organs and chest - spine below neck.

Lomas -v- Leebetter

Sheffield County Court / Judge Peter Jones

Dec 2001

41 Male

Road Traffic Accident. Soft tissue injuries to wrist, knee and neck all resolved within 2 months. Chest injury involving upper ribs resolved within 18 months. Damage to nerve in thigh causing permanent numbness. Soft tissue injury to upper lumbar spine, settled in 18 months. History of lower lumbar back pain pre-accident. 2 year acceleration.



Harvey -v- Tesco Plc

Pontypridd County Court / D J Doel

Jan 2002

73 Female

Fall on left (non-dominant) hand causing fracture to arm adjacent to wrist. Plaster cast worn for 6 weeks. Pain and stiffness suffered daily for 3 months post-accident. Mobility gradually recovered. Difficulty with domestic tasks. Small cosmetic defect due to deviation in wrist bone. All symptoms resolved within 18-24 months. Bony abnormality permanent, but did not constitute functional impairment.


Hearing and Speech

Warne -v- Octavius Hunt Limited

Mayors and City of London County Court / Judge Simpson

Jan 2002

65 Male

Firework explosion on ground causing hearing loss, categorised as moderate to severe. Intermittent tinnitus in left ear prior to accident.Testing revealed average loss in both ears had increased by factor of ?, entirely due to accident. Loss permanent. Rate of deterioration unaffected by accident. Unable to distinguish sounds, difficulty with conversations when not face to face and with background noise. Reduced social activities.


Psychiatric damage

Meek -v- Lewis

Gloucester County Court / D J Ing

Dec 2001

24 Male

Refuse collector sustained hypodermic needlestick injury to leg. Physical injury minor, but suffered depression, distress and irritability due to possibility of contracting AIDS/hepatitis B. Increased alcohol intake. Anxiety settled after 9-10 months when informed had not contracted any disease.


Minor injuries -shoulder

Bakin -v- Wall

Worksop County Court / D J Toombs

Dec 2001

54 Male

Road traffic accident. Stiffness and tenderness in neck and right shoulder. Bony injury excluded. Neck symptoms resolved within 3-4 weeks. Right shoulder symptoms reduced in intensity over time. Off work for 2 weeks. Could not drive for 2-3 months. Difficulty lifting arm above shoulder, grip in right dominant hand affected. Symptoms not continuing beyond 20 months.



Chapman -v- Carroll

Bristol County Court / Judge Roach

Sept 2001

21 Female

Fall causing fracture to left (non-dominant) elbow. Significant pain and sling worn for 2 weeks. Ongoing pain and discomfort for 2 months. Intensive physiotherapy for 2 months. Intermittent aching thereafter. Sporadic discomfort 1 year after accident. Occasional aching in cold weather 3 years post-accident. No risk of osteoarthritis.



Lodge (A Child) -v-Kirklees MBC

Huddersfield County Court / D J Harrison

Oct 2001

11 Male

Fell and badly damaged upper left central incisor splinted to adjacent teeth. Nerve removed from tooth, metal post inserted. No pain, but could not eat hard food. Persistent infection around root. Small chip in crown.Tooth likely to last only 1-2 years post-accident. Denture necessary until Claimant stopped growing, thereafter implants required.


Police Assault

O達rien & Ors -v-Commissioner of Police for the Metropolis

QBD / Buckley J

May 2002

14 Male

Claimant arrested when attempting to intervene in the treatment of his father, who subsequently died while being held to the ground by officers. He sustained minor soft tissue injuries. Damages awarded for false imprisonment (1 hour), PTSD and assault.


The content of this article does not constitute legal advice and should not be relied on in that way. Specific advice should be sought about your specific circumstances.

To print this article, all you need is to be registered on

Click to Login as an existing user or Register so you can print this article.

In association with
Up-coming Events Search
Font Size:
Mondaq on Twitter
Register for Access and our Free Biweekly Alert for
This service is completely free. Access 250,000 archived articles from 100+ countries and get a personalised email twice a week covering developments (and yes, our lawyers like to think you致e read our Disclaimer).
Email Address
Company Name
Confirm Password
Mondaq Topics -- Select your Interests
 Law Performance
 Law Practice
 Media & IT
 Real Estate
 Wealth Mgt
Asia Pacific
European Union
Latin America
Middle East
United States
Worldwide Updates
Check to state you have read and
agree to our Terms and Conditions

Terms & Conditions and Privacy Statement (the Website) is owned and managed by Mondaq Ltd and as a user you are granted a non-exclusive, revocable license to access the Website under its terms and conditions of use. Your use of the Website constitutes your agreement to the following terms and conditions of use. Mondaq Ltd may terminate your use of the Website if you are in breach of these terms and conditions or if Mondaq Ltd decides to terminate your license of use for whatever reason.

Use of

You may use the Website but are required to register as a user if you wish to read the full text of the content and articles available (the Content). You may not modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display, or in any way exploit any of the Content, in whole or in part, except as expressly permitted in these terms & conditions or with the prior written consent of Mondaq Ltd. You may not use electronic or other means to extract details or information about Mondaq.com痴 content, users or contributors in order to offer them any services or products which compete directly or indirectly with Mondaq Ltd痴 services and products.


Mondaq Ltd and/or its respective suppliers make no representations about the suitability of the information contained in the documents and related graphics published on this server for any purpose. All such documents and related graphics are provided "as is" without warranty of any kind. Mondaq Ltd and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. In no event shall Mondaq Ltd and/or its respective suppliers be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of information available from this server.

The documents and related graphics published on this server could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. Mondaq Ltd and/or its respective suppliers may make improvements and/or changes in the product(s) and/or the program(s) described herein at any time.


Mondaq Ltd requires you to register and provide information that personally identifies you, including what sort of information you are interested in, for three primary purposes:

  • To allow you to personalize the Mondaq websites you are visiting.
  • To enable features such as password reminder, newsletter alerts, email a colleague, and linking from Mondaq (and its affiliate sites) to your website.
  • To produce demographic feedback for our information providers who provide information free for your use.

Mondaq (and its affiliate sites) do not sell or provide your details to third parties other than information providers. The reason we provide our information providers with this information is so that they can measure the response their articles are receiving and provide you with information about their products and services.

If you do not want us to provide your name and email address you may opt out by clicking here .

If you do not wish to receive any future announcements of products and services offered by Mondaq by clicking here .

Information Collection and Use

We require site users to register with Mondaq (and its affiliate sites) to view the free information on the site. We also collect information from our users at several different points on the websites: this is so that we can customise the sites according to individual usage, provide 'session-aware' functionality, and ensure that content is acquired and developed appropriately. This gives us an overall picture of our user profiles, which in turn shows to our Editorial Contributors the type of person they are reaching by posting articles on Mondaq (and its affiliate sites) meaning more free content for registered users.

We are only able to provide the material on the Mondaq (and its affiliate sites) site free to site visitors because we can pass on information about the pages that users are viewing and the personal information users provide to us (e.g. email addresses) to reputable contributing firms such as law firms who author those pages. We do not sell or rent information to anyone else other than the authors of those pages, who may change from time to time. Should you wish us not to disclose your details to any of these parties, please tick the box above or tick the box marked "Opt out of Registration Information Disclosure" on the Your Profile page. We and our author organisations may only contact you via email or other means if you allow us to do so. Users can opt out of contact when they register on the site, or send an email to with 渡o disclosure in the subject heading

Mondaq News Alerts

In order to receive Mondaq News Alerts, users have to complete a separate registration form. This is a personalised service where users choose regions and topics of interest and we send it only to those users who have requested it. Users can stop receiving these Alerts by going to the Mondaq News Alerts page and deselecting all interest areas. In the same way users can amend their personal preferences to add or remove subject areas.


A cookie is a small text file written to a user痴 hard drive that contains an identifying user number. The cookies do not contain any personal information about users. We use the cookie so users do not have to log in every time they use the service and the cookie will automatically expire if you do not visit the Mondaq website (or its affiliate sites) for 12 months. We also use the cookie to personalise a user's experience of the site (for example to show information specific to a user's region). As the Mondaq sites are fully personalised and cookies are essential to its core technology the site will function unpredictably with browsers that do not support cookies - or where cookies are disabled (in these circumstances we advise you to attempt to locate the information you require elsewhere on the web). However if you are concerned about the presence of a Mondaq cookie on your machine you can also choose to expire the cookie immediately (remove it) by selecting the 'Log Off' menu option as the last thing you do when you use the site.

Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies and we are not aware of any at present that do so.

Log Files

We use IP addresses to analyse trends, administer the site, track movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.


This web site contains links to other sites. Please be aware that Mondaq (or its affiliate sites) are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these third party sites. This privacy statement applies solely to information collected by this Web site.

Surveys & Contests

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose any information requested. Information requested may include contact information (such as name and delivery address), and demographic information (such as postcode, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the functionality of the site.


If a user elects to use our referral service for informing a friend about our site, we ask them for the friend痴 name and email address. Mondaq stores this information and may contact the friend to invite them to register with Mondaq, but they will not be contacted more than once. The friend may contact Mondaq to request the removal of this information from our database.


This website takes every reasonable precaution to protect our users information. When users submit sensitive information via the website, your information is protected using firewalls and other security technology. If you have any questions about the security at our website, you can send an email to

Correcting/Updating Personal Information

If a user痴 personally identifiable information changes (such as postcode), or if a user no longer desires our service, we will endeavour to provide a way to correct, update or remove that user痴 personal data provided to us. This can usually be done at the 添our Profile page or by sending an email to

Notification of Changes

If we decide to change our Terms & Conditions or Privacy Policy, we will post those changes on our site so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

How to contact Mondaq

You can contact us with comments or queries at

If for some reason you believe Mondaq Ltd. has not adhered to these principles, please notify us by e-mail at and we will use commercially reasonable efforts to determine and correct the problem promptly.