Insurance – Misrepresentation. The Administrative Court allowed the claimant insurer's application for judicial review of an defendant Financial Ombudsman Service's decision, rejecting the interested parties' complaint in relation to a joint life insurance policy and upholding it in relation to a single life insurance policy because misrepresentations were innocently made due to a medical condition. The ombudsman's decision had been inadequately reasoned, but had not been Wednesbury unreasonable.