Insurance Act 2015

1. Introduction

2. Territorial Extent and Application

3. Background

   1. Insurance contract law

   2. Amendments to the Third Parties (Rights against Insurers) Act 2010

4. Summary

   1. Insurance contract law

      1. The duty of fair presentation

      2. Warranties and other terms

      3. Insurers’ remedies for fraudulent claims

      4. Good faith

      5. Contracting out

      6. Consequential amendments

   2. Amendments to the Third Parties (Rights against Insurers) Act 2010

5. Commentary on Sections

   1. Part 1: Insurance Contracts: Main Definitions

      1. Section 1: Insurance contracts: main definitions

   2. Part 2: the Duty of Fair Presentation

      1. Section 2: Application and interpretation

      2. Section 3: The duty of fair presentation

         1. Exceptions to the duty of fair presentation

      3. Section 4: Knowledge of insured

      4. Section 5: Knowledge of insurer

      5. Section 6: Knowledge: general

      6. Section 7: Supplementary

      7. Section 8: Remedies for breach

   3. Part 3: Warranties and Other Terms

      1. Section 9: Warranties and representations

      2. Section 10: Breach of warranty

      3. Section 11: Terms not relevant to the actual loss

   4. Part 4: Fraudulent Claims

      1. Section 12: Remedies for fraudulent claims

      2. Section 13: Remedies for fraudulent claims: group insurance

   5. Part 5: Good Faith and Contracting Out

      1. Section 14: Good faith

      2. Section 15: Contracting out: consumer insurance contracts

      3. Section 16: Contracting out: non-consumer insurance

      4. Section 17: The transparency requirements

      5. Section 18: Contracting out: group insurance contracts

   6. Part 6: Amendment of the Third Parties (Rights Against Insurers) Act 2010

      1. Section 19: Power to change the meaning of “relevant person”

      2. Section 20: Other amendments to the 2010 Act

   7. Part 7: General

      1. Section 21: Provision consequential on Part 2

         1. Marine Insurance Act 1906, sections 18, 19 and 20

         2. Road Traffic Act 1988, section 152

         3. Consumer Insurance (Disclosure and Representations) Act 2012

      2. Section 22: Application etc of Parts 2 to 5

      3. Section 23: Extent, commencement and short title

      4. Schedule 1: Insurer’s remedies for qualifying breaches

         1. Part 1: Contracts

            1. Deliberate or reckless breaches

            2. Other breaches

         2. Part 2: Variations

            1. Deliberate or reckless breaches

            2. Other breaches

         3. Part 3: Supplementary

      5. Schedule 2: Rights of third parties against insurers: relevant insured persons

         1. Debt relief orders in Northern Ireland

         2. Administration

         3. Transitional cases

         4. Interpretation

6. Commencement Dates

7. Hansard References