Lord Justice Scrutton’s famous 1928 quote that, in entering the insurance contract, “the underwriter knows nothing and the man who comes to him to ask him to insure knows everything”, has often been used to allow insurance companies great leeway in drafting their contracts. Insurance contracts, more than any other contracts, are notorious for their difficulty in being understood, particularly by the individual layman. Insurance contracts are often huge documents filled with obtuse and confusing terms and definitions. Some critics claim that this is done in earnest by the underwriters as a means of disguising limitations of coverage of the contract or unfairly stacking the deck against the insured when a claim is presented. In your personal experiences, have you found this to be the case?