Insurance – Life insurance. A 'relevant person' incurred a liability under the Third Party (Rights Against Insurers) Act 2010 s 1 when the cause of action was complete and not when the claimant had established the right to compensation, whether by judgment or otherwise. The transitional provisions concerning the 2010 Act did not provide for the 2010 regime to be applied retrospectively so as to run in parallel with the regime created by the Third Party (Rights Against Insurers) Act 1930. In any given circumstances, the 1930 regime applied or it did not; where it continued to apply, the 2010 regime had no application. The Queen's Bench Division, in so holding, struck out the claimant's claim brought against the defendant insurance company under the 2010 Act.