Perhaps. I suspect many of us would reasonably argue, in such a situation, that the category of loss described in the policy is obvious to a reasonable observer, and if, say, an ant infestation is valid grounds for a claim, a spider infestation should be too.
I’m no great fan of the insurance industry, but putting that aside for a moment, it does seem that in terms of the contract language, a sensible conclusion was reached here.
Fortunately a significant amount of negotiation meant that we ended up with a revised agreement we were all happy with ... that would be unlikely if an insurance company is involved.
My point was never the inaccuracy of including spiders as insects, my point was intended to be that the terms in your legal documents may not carry the meanings you expect. I guess that point is lost now.
And to answer your question, I would include "spiders" as "vermin" in circumstances such as this."
You clearly didn't read the actual judgement. It very clearly states Insects and/or vermin. I'm pretty sure that qualifies as a reasonable term for 'other small lifeforms'.
The judgment is very clear that it rejects the claims for BOTH the insect and vermin clause, and acknowledges that while spiders are not "scientifically" insects, they are insects according to normal use, and also because of previous case-law.
That's what's happened here, and I can't help but see it as another case of insurers once again not paying up because they can get away with it.
If they meant "bugs" they should have either have said "bugs", or should have said "insects and other small lifeforms." I'm sure their lawyers could find a way to be more precise, and it seems reasonable to me to require it of them.
But, well, I'm neither a lawyer nor an insurance expert.