Directors Insurance Clauses with AXA

Feb 3, 2026

Rahul Gumber (Chief Risk Officer) from AXA who has known the about issues for over a year

The directors of the building are insured until March 2026 – is Mr Gumber happy to renew again?

1. “No known circumstances” duty (very important)

The policy is issued on the basis that:

no director is aware of any fact or circumstance that may give rise to a claim.

So directors effectively warrant:

no existing governance/safety dispute is brewing
nothing has been concealed
nothing should already have been notified

If serious allegations already existed, insurers can later argue non-disclosure.

2. Notification duty

D&O wordings typically require directors to notify insurers immediately if:

a claim is made, or
circumstances arise that could lead to a claim.

Failure to notify can invalidate cover.
(This is implied by the “Notifiable Claim” structure in the Angel wording.)
D&O Policy Summary and Wording

3. Exclusions define the real limits of director responsibility

Directors are not covered for:

fraud/dishonesty
deliberate wrongdoing
prior known issues
bodily injury/property damage claims

4. The insurance does not replace director legal duties

The policy does not reduce statutory responsibility under Companies Act / RTM obligations.

Directors remain legally responsible even if insured.

Insurance simply funds defence and certain liabilities — it does not excuse silence. The directors have refused to reply or recent months even open emails.

The insurance does not instruct directors to act —

but it does create three hard constraints:

They must not conceal known risks
They must notify circumstances promptly
They cannot rely on insurance for bodily/property safety harms

Summary

So directors being silent while allegations accumulate is not neutral:

it potentially undermines cover
it conflicts with disclosure assumptions
it leaves residents unable to verify whether notification has occurred

Did the directors mention a whole corruption case study around their building ? (see below)

The current RTM directors — Sam Arshi, Gerry Bloom, Chris Bradley, Lucy Clow, and Andrew Pavli — still refuse to respond to any emails or communications, despite ongoing serious safety and governance concerns – so we don’t know.

The case study they ignore:

Context

Editor’s Story (last updated July 2025)

Editor’s Story (updated 26 January 2026)

Conflict of Interest

TLT Misleading About Conflict of Interest linked to attempted murder

Conflict of Interest Question (Sent 15 Sept)

A Request for All Emails and Julien Luke

The Request 28 Sept

Human Rights and Mark Routley

Article here 28 Sept

Venue Change Request

Article 1: Venue Change Request Ignored

Witness Requests

Witness Request: Oakley Property (Pending), Asking TLT

Witness Request, Nationwide (Pending)

Pre Litigation

Email sent to TLT about Pre Litigation Concerns 20 Aug

Exploring Options Request to TLT/Natwest

Repayment in Full Option (Password Protected). Sept 2025

Previous Offer. June 2025

Further Requests

TLT Code of Conduct Request (for 20 Sept) to Helen Hodgkinson TLT

Professional Indemnity Insurance details (for Sept 18)

Ignoring Other Litigation/SRA Referral

TLT’s Obstruction of a Live Pre-Action Claim

TLT and Natwest ignored other Ongoing Pre Litigation (last updated 29 Aug before TLT Filed)

SRA/Other Referrals Page (Password Protected)

Refusing Email Communication

Article: TLT/Natwest Refusing Email Communication (Updated 26/9/2025)

Further Internal Links

Recent Requests (Password Protected)

Official Requests (Password Protected)

Clarification of past articles stance.

Moreland Selective Email Opening

Freehold Sale

The Oakley/Directors Paradox : Control Without Accountability

Oakley not opening emails

Ongoing Analysis Of Two TLT Partners, Mark Routley and Julien Luke to assist in understandIng case

External links

TLT Trust Pilot Page (1.5/5 Stars Rating – “Bad”)

Court Case Two

(In Pre Litigation)

In pre litigation, history here.

Article: Oakley Property in Deep Trouble?

Article: The Biggest Question : Which Conveyancing Firm?

Article: The Directors Who Run Away (Updated 25/9/2025)

Procedural Concerns

Part One (password protected)

Part Two (“The Last Hope”) (password protected)

Duty of Care

Does this require a new filing? (password protected)

Concerning TLT tactics (password protected)

Framework (password protected)

Nov 3rd Notes (password protected)

Nov 3rd Full Email (password protected)

Deeply concerning update (password protected)

Brighton County Court

Latest Situation 15 November

Further Publication Request 15 November

Who is the Mystery Solicitor? 16 November

Concerning Situation 17 November (password protected)

James Porter of Oakley Property 17 November

Oakley Property Desperate Measures 17 November

Investigation 17 November (password protected), Table (password protected)

PCOL request 18 November (password protected)

Police Report 19 November (password protected) and notifications (password protected)

Police Update 19 November (password protected)

TLT Ignoring Emails (password protected)

The 4 steps of accountability (password protected)

Court Request 19 November

New Report November (password protected)

Old Articles Update 20 November

Court Materials Evidence Preservation 21 November (plus further question to Nationwide 21 November) (password protected)

Defence Update 21 November (password protected)

Why Solicitors and Courts Stop Opening Emails 21 November (password protected), update on this (password protected), notifying them

Police response (password protected)

Further police response (password protected)

Brighton Court Updated PCOL 23 November

Brighton Court and TLT now opening selected emails, not opening some, not actioning majority, etc. High Court still not opening since second Police Report. 23 November. (notify of update)

New Crime Report Update 24 November (password protected)

The Email Mystery (new update report) 24 November (password protected)

System use 24 November (password protected)

Given up on reference numbers (password protected) and same again SXP-2025

More deception 25 November

Police Report Request 26 November (password protected)

PCOL Message to Court 16 January 2026 (password protected)

Nationwide Court Cases

Two different approaches (password protected)

Article: The Accountability Question: Alison Lattimer and the Virgin Money Response

Out of Scope? 15 December (password protected)

Email Complication 16 December (password protected)