Consumer Insurance (Disclosure and Representations) Act 2012
Main definitions
1Main definitions
Pre-contract and pre-variation information
2Disclosure and representations before contract or variation
3Reasonable care
Qualifying misrepresentations
4Qualifying misrepresentations: definition and remedies
5Qualifying misrepresentations: classification and presumptions
Specific issues
6Warranties and representations
7Group insurance
8Insurance on life of another
9Agents
10Contracting out
Final provision
11Consequential provision
12Short title, commencement, application and extent
SCHEDULES
SCHEDULE 1Insurers' remedies for qualifying misrepresentations
Part 1Contracts
General
1This Part of this Schedule applies in relation to qualifying...
Deliberate or reckless misrepresentations
2If a qualifying misrepresentation was deliberate or reckless, the insurer—...
Careless misrepresentations—claims
3If the qualifying misrepresentation was careless, paragraphs 4 to 8...
4The insurer's remedies are based on what it would have...
5If the insurer would not have entered into the consumer...
6If the insurer would have entered into the consumer insurance...
7In addition, if the insurer would have entered into the...
8“Reduce proportionately” means that the insurer need pay on the...
Careless misrepresentations—treatment of contract for the future
9(1) This paragraph— (a) applies if the qualifying misrepresentation was...
Part 2Variations
10This Part of this Schedule applies in relation to qualifying...
11If the subject-matter of a variation can reasonably be treated...
12Otherwise, Part 1 applies (with any necessary modifications) as if...
Part 3Modifications for group insurance
13Part 1 is to be read subject to the following...
14References to the consumer insurance contract (however described) are to...
15References to claims and premiums are to claims and premiums...
16The reference to the consumer is to be read—
Part 4Supplementary
17Section 84 of the Marine Insurance Act 1906 (return of...
SCHEDULE 2Rules for determining status of agents
1This Schedule sets out rules for determining, for the purposes...
2The agent is to be taken as the insurer's agent...
3(1) In any other case, it is to be presumed...
4(1) If it appears to the Treasury that the list...

Consumer Insurance (Disclosure and Representations) Act 2012

2012 c. 6

An Act to make provision about disclosure and representations in connection with consumer insurance contracts.

Be it enacted by the Queen's most Excellent Majesty, by and with the advice and consent of the Lords Spiritual and Temporal, and Commons, in this present Parliament assembled, and by the authority of the same, as follows:—