Insurance – Contract of insurance. The claimant leaseholder's claim against the defendants, under the Third Parties (Rights against Insurers) Act 2010, for fire damage caused by the first defendant landlord's negligence, failed almost in its entirety, on the basis that the landlord had not been covered for the relevant damage under the public and products liability section of the insurance policy. However, the Queen's Bench Division allowed the claim, to the extent that an award of £8,500 would be paid to the claimant for costs it had incurred in refurbishing fixtures and fittings that indisputably had not belonged to the landlord.