Final provision

11Consequential provision

(1)

Any rule of law to the same effect as the following is abolished in relation to consumer insurance contracts—

(a)

section 18 of the Marine Insurance Act 1906 (disclosure by assured),

(b)

section 19 of that Act (disclosure by agent effecting insurance),

(c)

section 20 of that Act (representations pending negotiation of contract).

(2)

The Marine Insurance Act 1906 is amended as follows—

(a)

in section 18, at the end add—

“(6)

This section does not apply in relation to a contract of marine insurance if it is a consumer insurance contract within the meaning of the Consumer Insurance (Disclosure and Representations) Act 2012.”;

(b)

in section 19, the existing text becomes subsection (1), and after that add—

“(2)

This section does not apply in relation to a contract of marine insurance if it is a consumer insurance contract within the meaning of the Consumer Insurance (Disclosure and Representations) Act 2012.”;

(c)

in section 20, at the end add—

“(8)

This section does not apply in relation to a contract of marine insurance if it is a consumer insurance contract within the meaning of the Consumer Insurance (Disclosure and Representations) Act 2012.”.

(3)

In section 152 of the Road Traffic Act 1988 (exceptions to duty of insurers to satisfy judgment against persons insured against third-party risks), in subsection (2)—

(a)

in paragraph (a), after “avoid it” insert “either under the Consumer Insurance (Disclosure and Representations) Act 2012 or, if that Act does not apply,”;

(b)

in paragraph (b), after “policy or security” insert “under that Act or”, and for “it” substitute “the policy or security”.

(4)

In Article 98A of the Road Traffic (Northern Ireland) Order 1981 (S.I. 1981/154 (N.I.)) (exceptions to duty of insurers to satisfy judgment against persons insured against third-party risks), in paragraph (2)—

(a)

in sub-paragraph (a), after “avoid it” insert “either under the Consumer Insurance (Disclosure and Representations) Act 2012 or, if that Act does not apply,”;

(b)

in sub-paragraph (b), after “policy or security” insert “under that Act or”, and for “it” substitute “the policy or security”.