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What is BILA?

BILA is a unique organisation, its membership being drawn from insurers, insurance brokers and other intermediaries, academic lawyers, solicitors and barristers.

In addition to UK members, there are many from all over the world. BILA is not only a domestic organisation, it is also the British Chapter of Association Internationale de Droit des Assurances (AIDA) and is an active participant in all the activities of AIDA including its quadrennial world congress.


24 January 2022 

The Proximate Cause of Loss with Professor Özlem Gürses


24/01/2022 / 1:00 pm - 2:00 pm The Proximate Cause of Loss with Professor Özlem Gürses

In this talk Professor Ozlem Gurses will discuss the meaning of ‘proximate’ under the MIA 1906 s 55(1) (which is not confined to marine insurance). The talk will explore the adoption of the word ‘proximate’ by the pre-MIA 1906 cases which then led to the codification of the term under s 55(1) of the Act. It will discuss if the proximate cause rule has ever been the ‘last cause in time’ or whether its determination has always been a matter of construction of the way the loss has occurred and the policy terms. The talk will also question if there are any- differences between the words ‘attributable to’ and ‘caused by’ and it will explore the meaning of ‘concurrent independent and concurrent interdependent causes’. The talk will conclude on the two matters: is the word proximate misleading and if the so-called ‘concurrent causes’ rule is a theoretical analysis which finds little practical application in the authorities.

Özlem Gürses is Professor of Commercial Law at King’s College London. She specialises in insurance and reinsurance law. Özlem is the author of Reinsuring Clauses (Informa), Marine Insurance Law (Routledge), Insurance of Commercial Risks (Sweet and Maxwell), and The Compulsory Motor Vehicle Insurance (Informa) as well as numerous articles published on insurance and reinsurance related topics. Özlem sits in the British Insurance Law Association Committee and the Presidential Council of the International Insurance Law Association (AIDA). She is Vice-Chair of the Reinsurance Working Party of AIDA. Özlem teaches insurance and reinsurance law at King’s College London and abroad, including National University of Singapore, University of Hamburg and World Maritime University, Malmö.

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What is AIDA?

BILA is the UK National Chapter of the Association Internationale de Droit des Assurances (AIDA), a not-for-profit organisation founded in 1960 with the aim, through international collaboration, of promoting knowledge of international and national insurance law and related matters of interest.

BILA is the UK National Section of AIDA and an active national member of AIDA Europe.

The BILA Journal


The BILA Journal (“Journal”) is the official journal of the Association. The Journal was first launched in 1964 and has been published regularly since then.

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