Insurance – Liability insurance. In dismissing both of the claimant's claims for indemnification from the Medical Protection Society Ltd, the Queen's Bench Division held that the claimant's failure to apply for indemnity prior to the commencement of the first claim had been fatal. Further, his decision to send letters to his patients seeking assurances that they would not issue proceedings had justified the dismissal of the claim for indemnity that the claimant had made in relation to the second claim.