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The Insurance Act 2015 A practical guide to changes in UK Insurance Law, prepared for members of the Lloyd’s Market Association and the International Underwriting Association


Year: 2016
Language: english
Author: Harry Wright
Genre: Guide
Format: PDF
Quality: eBook
Pages count: 55
Description: The Insurance Act 2015 (“the Act”) is the most significant reform of UK insurance contract law since the Marine Insurance Act 1906. It was enacted by Parliament on 12 February 2015, and came into force 18 months after that date, on 12 August 2016. All contracts of insurance, reinsurance and retrocession, as well as variations to existing contracts made after that date, are governed by the Act. The Act is intended materially to change the way in which the business of insurance governed by English Law is conducted.
The consumer insured’s duties of disclosure are governed by the Consumer Insurance (Disclosure and Representation) Act 2012 which applies to contracts of consumer insurance entered into on or after 6 April 2013. A consumer is defined as an individual buying insurance wholly or mainly for purposes unrelated to the individual’s trade, business or profession. This guide primarily concerns non-consumer insurance, reinsurance and retrocession.

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