Consumer Insurance Law Reform

The Government has introduced a Bill reforming the law on what a consumer must tell an insurer before taking out or varying an insurance policy. The Consumer Insurance (Disclosure and Representations) Bill largely reflects the proposals to reform consumer insurance law made by the English and Scottish Law Commissions in December 2009 as part of the Law Commissions' wider review of insurance contract law. Click  here to read our Law Now on the Law Commissions' proposals.

If passed in its current form, the new legislation will only apply to consumer insurance contracts although the Bill also addresses the status of intermediaries (brokers) in consumer contracts and makes provision for their treatment.