Nicole Downey

Director - Manager of Advanced Recovery Group

Based in Manchester, I manage a range of bespoke subrogated property recovery schemes for a number of major composite insurers. This is my principal role as a director within the Commercial Insurance team.

Tel: +44 (0)161 603 5065 Mob: +44 (0)7554 401957



DWF LLP 1 Scott Place 2 Hardman Street Manchester M3 3AA View office Tel: +44 (0)333 320 2220 Fax: +44 (0)333 320 4440 DX: 14313 Manchester Email:

My Expertise

I have over 20 years’ experience dealing with commercial insurance disputes, including property claims both defended and recoveries, product liability, engineering claims and advising insurers on policy coverage issues.

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I specialise in subrogated recoveries, examples of which include:

  • Substantial fires caused by a range of defective appliances.
  • Claims against builders and contractors in respect of defective workmanship.
  • Significant escapes of water claims involving multi-tenure properties.
  • Complex business interruption cases.
  • Claims against third parties outside of the UK jurisdiction.

A valuable part of my experience was gained whilst seconded to the group legal department of a major composite insurer where I defended valuation claims against their property services arm.

I am particularly proud to have been involved in the reported property damage recovery case decided by the House of Lords, Transco Plc v Stockport Metropolitan Borough Council (scope of the rule in Rylands v Fletcher).