Insurance – Policy. The county court found that the first defendant had miss-sold the claimants payment protection insurance (PPI) in breach of the Insurance Conduct of Business Rules (the Rules) and ordered it to pay damages. The first defendant appealed on the basis that a telephone conversation and the relevant documents, taken together, had given the claimants a full and clear breakdown of the cost of PPI. The Court of Appeal, Civil Division, in dismissing the appeal, held that, even if treated as part of one overall process, the judge had been entitled to find that there had been a breach of the Rules and there were no grounds for interfering with his judgment.