Insurance Act 2015
PART 1
Insurance contracts: main definitions
1
Insurance contracts: main definitions
PART 2
The duty of fair presentation
2
Application and interpretation
3
The duty of fair presentation
4
Knowledge of insured
5
Knowledge of insurer
6
Knowledge: general
7
Supplementary
8
Remedies for breach
PART 3
Warranties and other terms
9
Warranties and representations
10
Breach of warranty
11
Terms not relevant to the actual loss
PART 4
Fraudulent claims
12
Remedies for fraudulent claims
13
Remedies for fraudulent claims: group insurance
PART 4A
Late payment of claims
13A
Implied term about payment of claims
PART 5
Good faith and contracting out
Good faith
14
Good faith
Contracting out
15
Contracting out: consumer insurance contracts
16
Contracting out: non-consumer insurance contracts
16A
Contracting out of the implied term about payment of claims: consumer and non-consumer insurance contracts
17
The transparency requirements
18
Contracting out: group insurance contracts
PART 6
Amendment of the Third Parties (Rights against Insurers) Act 2010
19
Power to change meaning of “relevant person” for purposes of 2010 Act
20
Other amendments
PART 7
General
21
Provision consequential on Part 2
22
Application etc of Parts 2 to 5
23
Extent, commencement and short title
SCHEDULES
SCHEDULE 1
Insurers' remedies for qualifying breaches
PART 1
Contracts
General
1
This Part of this Schedule applies to qualifying breaches of...
Deliberate or reckless breaches
2
If a qualifying breach was deliberate or reckless, the insurer—...
Other breaches
3
Paragraphs 4 to 6 apply if a qualifying breach was...
4
If, in the absence of the qualifying breach, the insurer...
5
If the insurer would have entered into the contract, but...
6
(1) In addition, if the insurer would have entered into...
PART 2
Variations
General
7
This Part of this Schedule applies to qualifying breaches of...
Deliberate or reckless breaches
8
If a qualifying breach was deliberate or reckless, the insurer—...
Other breaches
9
(1) This paragraph applies if— (a) a qualifying breach was...
10
(1) This paragraph applies if— (a) a qualifying breach was...
Proportionate reduction
11
(1) If this paragraph applies, the insurer may reduce proportionately...
PART 3
Supplementary
Relationship with section 84 of the Marine Insurance Act 1906
12
Section 84 of the Marine Insurance Act 1906 (return of...
SCHEDULE 2
Rights of third parties against insurers: relevant insured persons
1
The Third Parties (Rights against Insurers) Act 2010 is amended...
Individuals subject to debt relief orders in Northern Ireland
2
(1) Section 4 (relevant persons: individuals) is amended as follows....
Corporate bodies etc in administration
3
(1) Section 6 (corporate bodies etc) is amended as follows....
Transitional cases
4
In section 1(5)(b) (definition of “relevant person”), at the end...
5
(1) Schedule 3 (transitory, transitional and saving provision) is amended...
Interpretation
6
After section 19 insert— Interpretation (1) The references to enactments in sections 4 to 7,...

Insurance Act 2015
2015 c. 4
An Act to make new provision about insurance contracts; to amend the Third Parties (Rights against Insurers) Act 2010 in relation to the insured persons to whom that Act applies; and for connected purposes.
[12th February 2015]
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:—