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2The agent is to be taken as the insurer's agent in each of the following cases—E+W+S+N.I.
(a)when the agent does something in the agent's capacity as the appointed representative of the insurer for the purposes of the Financial Services and Markets Act 2000 (see section 39 of that Act),
(b)when the agent collects information from the consumer, if the insurer had given the agent express authority to do so as the insurer's agent,
(c)when the agent enters into the contract as the insurer's agent, if the insurer had given the agent express authority to do so.
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