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The Insurance Act 2015 – what it means for you as an insured

August 2016
Nathan Modell, Ian Masser and

The Insurance Act 2015 (“the Act”) finally came into force on 12 August 2016. The Act represents the biggest change in English insurance law for over a century and will apply to insurance and reinsurance contracts governed by the laws of England, Wales, Scotland and Northern Ireland which are entered into on or after 12 August 2016.

In this article Nathan Modell, Ian Masser and Adam Ifield discuss some of the key changes in the Act including: Duty of Disclosure & Fair Presentation of Risk, Knowledge, Remedies for Non-Disclosure, Warranties & Basis of Contracts Clauses, Fraudulent Claims, Contracting Out and suggest some points for insureds to consider in the wake of the changes.

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