DOCSLIB.ORG

Insurance Contract Law: a Joint Scoping Paper

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Insurance Contract Law: a Joint Scoping Paper The Law Commission and The Scottish Law Commission INSURANCE CONTRACT LAW A Joint Scoping Paper The Law Commission and the Scottish Law Commission were set up by the Law Commissions Act 1965 for the purpose of promoting the reform of the law. The Law Commissioners are: The Honourable Mr Justice Toulson, Chairman Professor Hugh Beale QC, FBA Stuart Bridge Dr Jeremy Horder Professor Martin Partington1 CBE Kenneth Parker2 QC The Chief Executive of the Law Commission is Steve Humphreys and the offices are at Conquest House, 37-38 John Street, Theobalds Road, London WC1N 2BQ. The Scottish Law Commissioners are: The Honourable Lord Eassie, Chairman Professor Gerard Maher QC Professor Joseph Thomson Colin Tyre QC The Chief Executive of the Scottish Law Commission is Michael Lugton and the offices are at 140 Causewayside, Edinburgh EH9 1PR. The terms of this scoping paper were agreed on 21 December 2005 by the Scottish Law Commissioners and by the Commercial and Common Law Team of the English Law Commission. The closing date for responses is 19 April 2006. A response form can be found in Part 4 of the scoping paper, or may be downloaded from: http://www.lawcom.gov.uk/insurance_contract.htm Completed forms and other correspondence may be sent By post to: Peter Tyldesley Law Commission Conquest House 37-38 John Street Theobalds Road London WC1N 2BQ By email to: [email protected] Tel: 020-7453-1201 It would be helpful if, where possible, comments sent by post could also be sent on disk, or by email to the above address, in any commonly used format. Responses will be treated as public documents in accordance with the Freedom of Information Act 2000, and may be made available to third parties. The text of this paper is available on the Internet at: http://www.lawcom.gov.uk/insurance_contract.htm http://www.scotlawcom.gov.uk/downloads/cp_insurance.pdf 1 Until 31 December 2005. 2 With effect from 1 January 2006. LAW COMMISSION AND SCOTTISH LAW COMMISSION INSURANCE CONTRACT LAW A JOINT SCOPING PAPER CONTENTS PART 1: INTRODUCTION 3 Categories of policyholder 5 Arguments against reform 5 Consumer cases 6 MLB policyholders 6 Negotiating tools 7 Certainty 7 Europe 7 PART 2: POSSIBLE AREAS FOR REVIEW 9 Insurable interest 9 A definition of insurance 10 Agency and insurance 11 Non-disclosure 11 Other issues 12 Subrogation 13 “Worthless” policies 14 Joint policyholders 15 “Contract Certainty” 16 Post-contractual good faith 16 Fraud 17 Repeals 18 Marine Insurance Act 1906, section 22 18 Marine Insurance Act 1906, section 53 19 1 Marine Insurance Act 1788 19 Fires Prevention (Metropolis) Act 1774, section 83 19 Unjustifiable Delay 20 Reinsurance 23 Other issues 23 PART 3: STATUTORY CODES 24 PART 4: QUESTIONS 26 APPENDIX A: NON-DISCLOSURE, MISREPRESENTATION AND BREACH OF WARRANTY 32 APPENDIX B: INSURABLE INTEREST 41 APPENDIX C: POSSIBLE APPEALS 44 2 PART 1 INTRODUCTION 1.1 The English and Scottish Law Commissions are setting up a joint review of insurance contract law. We would very much welcome your views on its scope. 1.2 In its Ninth Programme, the English Law Commission said it would set up this joint project to examine at least two key areas of insurance contract law: non-disclosure (which will necessarily include misrepresentation) and breach of warranty. It said we would consult on whether there is a need to review other areas such as the law on insurable interest and on joint policies. No decision has yet been made as to whether other areas should be reviewed. 1.3 We would like to know whether you feel there are areas that we should review, and whether you think a statutory insurance code is desirable. In Part 4 of this paper we have asked you to list those areas you think we should review, and to rank them in order of importance. Your responses will be considered by the Commissioners before they determine the scope of this project in the light of the resources available to us. 1.4 Our current intention is that any reforms we may ultimately recommend will be intended to apply to England, Wales and Scotland.1 Insurance contract law in Scotland is broadly similar to that in England and Wales. There are, however, some important differences. For example, in Scotland a policyholder may be able to claim losses caused by an insurer's unjustifiable delay in settling a claim, whereas in England this is not possible for the reasons we give in paragraph 2.64. There is also a different test for materiality in life insurance cases in Scotland.2 1.5 The English Law Commission last considered insurance contract law in 1980, when it looked at non-disclosure and breach of warranty. Its conclusion then was that the law was “undoubtedly in need of reform” and that such reform had been “too long delayed”.3 Reform was also urged in a report published by the National Consumer Council in 1997,4 which considered a wider range of issues, including subrogation. The recommendations in these reports have not been implemented. 1 The Law Reform Advisory Committee of Northern Ireland has asked us to keep it informed of developments. 2 Life Association of Scotland v Foster (1873) 11 M 351. 3 Insurance Law, Non-Disclosure and Breach of Warranty (1980) Law Com No 104. 4 National Consumer Council, Insurance Law Reform: the consumer case for review of insurance law (May 1997). 3 1.6 A major factor in our decision to return to this area was the publication of a report by the British Insurance Law Association (“BILA”) in 2002.5 This report was prepared by a sub-committee with an impressive breadth of membership — academics, brokers, insurers, lawyers, loss adjusters, a self-regulatory body and trade associations. It included the text of lectures given by two senior members of the judiciary, and a foreword contributed by a third. BILA declared itself “satisfied that there is a need for reform” and put forward detailed proposals for change. 1.7 The review will have three stages. First, with this paper we are consulting on the scope of the project. Secondly, we will consult on the perceived problems within that scope, and possible solutions. Thirdly, we will prepare a final report and, if necessary, a draft Bill. We very much hope that all those with an interest in insurance contract law will become actively involved in the consultation processes, either individually or collectively through representative organisations. We have already met a wide range of organisations and individuals, and later in this paper we refer to some of the views that have been expressed to us. 1.8 The review will cover the law as it affects long-term and general insurance contracts. Both branches of the insurance industry have urged us to recognise the differences in the way they do business and, where appropriate, to reflect these differences in our proposals. In our next consultation paper, we will invite submissions on these issues. 1.9 It has also been suggested to us that some weaknesses in the law would be best addressed by statutory or self regulation rather than insurance contract law reform. Where appropriate, we will consider recommending a regulatory response. See, for example, the discussion of contract certainty in paragraph 2.36. However, we do not accept the arguments of one consultee who suggested that extensive rules from the Financial Services Authority (“FSA”) and the mechanisms for change already in place were an adequate substitute for a review of the law. 1.10 For the remainder of Part 1 of this paper, we discuss some preliminary issues. In Part 2 we give some examples of areas other than non-disclosure and breach of warranty that might be included in the review, and ask for your views. We discuss the advantages and disadvantages of statutory codes in Part 3, and ask whether you think we should seek to produce such codes for insurance contract law. In Part 4 we list, for convenience, the nineteen questions we have asked. We set out in Appendix A the reasons that we concluded that non-disclosure and breach of warranty should be considered within the review. In Appendix B we explore some of the issues relating to insurable interest, and in Appendix C we give the text of those statutory provisions which it has been suggested could usefully be reformed. 1.11 The period of consultation on scope will end on 19 April 2006. 5 British Insurance Law Association, Insurance Contract Law Reform (September 2002). 4 CATEGORIES OF POLICYHOLDER 1.12 In this paper we use the abbreviation “CSB” to refer to consumers and small businesses, and the abbreviation “MLB” to refer to medium and large businesses. We draw this distinction because the typical small business lacks specialist knowledge of insurance, may not have the resources to seek outside advice and does not have the bargaining power to agree special terms. Small businesses apparently face broadly the same problems as consumers. We note that the Financial Ombudsman Service (“FOS”) is able to consider complaints from small businesses as well as consumers. It defines a small business as one with an annual turnover of less than £1 million. The questions of whether small businesses should be dealt with in the same way as consumers, and what should constitute a small business for this purpose, will be raised in our next consultation paper. ARGUMENTS AGAINST REFORM 1.13 Most people to whom we have spoken support a measure of reform, though there are significant differences of opinion as to the extent and nature of change that is desirable.
Load more

Recommended publications
  • Conclusion and Form of the Contract Austria Bulgaria Croatia
    Conclusion and form of the contract1 Austria § 3 VersVG: - Insurer must transmit insurance certificate to insured on paper or electronically. - Copy of genuine signature sufficient. Bulgaria There is a general reference to the Contracts and Obligations Act and the Commercial Act as to the conclusion of contracts, offer and acceptance and other general civil/commercial law rules. Art.184 Code for the Insurance: An insurance contract shall be concluded in writing in the form of an insurance policy or of another written act. The written proposal or request addressed to the insurer concerning the conclusion of an insurance contract or written replies of the insured to queries made by the insurer with regard to circumstances of importance to assessing the nature and amount of risk, shall form an integral part of the insurance contract. The written form is deemed observed in cases where the contract has been drawn up in the form of an electronic document. The insurance contract may also be concluded through the means of long distance communication if this has been provided for by law. Art.261, para.1 Code for the Insurance: Compulsory third party motor insurance contract has the form of an insurance policy and a mark issued by the Guarantee fund. The insurance policy is a special form printed in accordance with the procedure for printing securities. Croatia Pursuant to Article 925 of the Civil Obligations Act the insurance contract shall be concluded only when the application concerning the insurance has been accepted. The contract shall be concluded by consensus of both parties, and after the conclusion of the insurance contract, the insurer shall immediately provide the policyholder with a clearly written up and signed insurance policy or any other document relating to insurance (covering note, etc.) Only exceptionally a written form of the insurance contract is required, since the contract shall be considered concluded when signed by the insurer and the policyholder.
    [Show full text]
  • Insurance Contract Law: Post Contract Duties and Other Issues
    The Law Commission Consultation Paper No 201 and The Scottish Law Commission Discussion Paper No 152 INSURANCE CONTRACT LAW: POST CONTRACT DUTIES AND OTHER ISSUES A Joint Consultation Paper This is the second consultation paper in the joint insurance law project ii THE LAW COMMISSIONS: HOW WE CONSULT About the Commissions: The Law Commission and the Scottish Law Commission were set up by section 1 of the Law Commissions Act 1965 for the purpose of promoting the reform of the law. The Law Commissioners are: The Rt Hon Lord Justice Munby (Chairman), Professor Elizabeth Cooke, Mr David Hertzell, Professor David Ormerod and Frances Patterson QC. The Acting Chief Executive is John Saunders. The Scottish Law Commissioners are: The Honourable Lord Drummond Young (Chairman), Laura J Dunlop QC, Patrick Layden QC TD, Professor Hector L MacQueen and Dr Andrew J M Steven. The Chief Executive is Malcolm McMillan. Topic: This Consultation covers four areas of insurance contract law: damages for late payment; insurers’ remedies for fraudulent claims; insurable interest; and policies and premiums in marine insurance. Geographical scope: England and Wales, Scotland. An impact assessment is available on our websites, and is summarised in Part 21. Previous engagement: Our first consultation, in 2007, considered Misrepresentation, Non- Disclosure and Breach of Warranty. Subsequently we published five Issues Papers on the subjects covered by this consultation. They are to be found on our websites, together with summaries of the responses we have received (and other insurance project documents). Duration of the consultation: 20 December 2011 to 20 March 2012. How to respond Send your responses either – By email to: [email protected] or By post to: Christina Sparks, Law Commission, Steel House, 11 Tothill Street, London SW1H 9LJ Tel: 020 3334 0285 / Fax: 020 3334 0201 If you send your comments by post, it would be helpful if, where possible, you also sent them to us electronically (in any commonly used format).
    [Show full text]
  • Updated Draft Insurable Interest Bill for Review
    The Law Commission and Scottish Law Commission Reforming insurance contract law Updated draft Insurable Interest bill for review June 2018 ABOUT THIS DOCUMENT We are publishing an updated draft Bill to allow stakeholders an opportunity to consider whether the drafting achieves the stated policy aims. The draft Bill, together with a paper on the current law, is available separately. This document seeks to explain the draft Bill in its current form. We ask stakeholders for their views on the draft and about the potential impact of our proposed reforms. We welcome comments on this draft Bill by Friday 14 September 2018, by email to: [email protected] Privacy Notice Under the General Data Protection Regulations (May 2018), the Law Commissions must state the lawful bases for processing personal data. The Commissions have a statutory function, stated in the 1965 Act, to receive and consider any proposals for the reform of the law which may be made or referred to us. This need to consult widely requires us to process personal data in order for us to meet our statutory functions as well as to perform a task, namely reform of the law, which is in the public interest. We therefore rely on the following lawful bases: (c) Legal obligation: processing is necessary for compliance with a legal obligation to which the controller is subject (e) Public task: processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller. Law Commission projects are usually lengthy and often the same area of law will be considered on more than one occasion.
    [Show full text]
  • Cohabitation: the Financial Consequences of Relationship Breakdown
    The Law Commission (LAW COM No 307) COHABITATION: THE FINANCIAL CONSEQUENCES OF RELATIONSHIP BREAKDOWN Presented to the Parliament of the United Kingdom by the Lord Chancellor and Secretary of State for Justice by Command of Her Majesty July 2007 Cm 7182 £xx.xx The Law Commission was set up by the Law Commissions Act 1965 for the purpose of promoting the reform of the law. The Law Commissioners are: The Honourable Mr Justice Etherton, Chairman Mr Stuart Bridge Mr David Hertzell1 Professor Jeremy Horder Mr Kenneth Parker QC The Chief Executive of the Law Commission is Mr Steve Humphreys. The Law Commission is located at Conquest House, 37-38 John Street, Theobalds Road, London WC1N 2BQ. The terms of this report were agreed on 3 July 2007. The text of this report is available on the Internet at: http://www.lawcom.gov.uk 1 Mr David Hertzell was appointed a Law Commissioner with effect from 1 July 2007, in succession to Professor Hugh Beale QC, FBA. The terms of this report were agreed on 3 July 2007. ii THE LAW COMMISSION COHABITATION: THE FINANCIAL CONSEQUENCES OF RELATIONSHIP BREAKDOWN TABLE OF CONTENTS PART 1 - INTRODUCTION 1 THIS REPORT 1 WHY IS THIS ISSUE IMPORTANT? 2 Demographic data and future projections 3 Public attitudes towards cohabitation 6 THE BACKGROUND TO THE PROJECT 6 TERMS OF REFERENCE 7 THE CONSULTATION PAPER 9 The Consultation Paper’s provisional proposals in outline 9 THE CONSULTATION PROCESS 10 RECENT DEVELOPMENTS 11 Recent decisions of the House of Lords 11 Recent research 12 Debate in Parliament and beyond 13 Child
    [Show full text]
  • Insurable Interest and Post Contractual Good Faith (Including Fraud and Damages for Late Payment of Claims)
    PART 1 INTRODUCTION BACKGROUND 1.1 The Law Commission and the Scottish Law Commission are conducting a joint review of insurance contract law. The aim is to ensure that the law balances the interests of insured and insurer, reflects the needs of modern insurance practice and allows both insured and insurer to know their rights and obligations. 1.2 The Commissions published the first of two consultation papers (covering misrepresentation, non-disclosure and breach of warranty by the insured) in July 2007. The second consultation paper will consider insurable interest and post contractual good faith (including fraud and damages for late payment of claims). As with our first consultation paper, we are publishing issues papers setting out our preliminary thinking on each of these topics before the main consultation paper is published. 1.3 This issues paper sets out our preliminary thinking on insurable interest. 1.4 The paper has not been approved by Commissioners. Its purpose is to promote discussion before the formal consultation process on insurable interest begins. The contents should not be quoted as representing the views of either Commission. 1.5 Our tentative proposals for reform and questions are listed within the text and are set out in full in Part 8. We seek views on our tentative proposals and questions by 11 April 2008 and would be grateful if responses could be sent: by email to [email protected]; or by post to: Elizabeth Waller, Law Commission, Conquest House, 37-38 John Street, Theobalds Road, London WC1N 2BQ (tel: 020 7453 1231); or by fax to: 020 7453 1297, marked for the attention of Elizabeth Waller.
    [Show full text]
  • Insurance Contracts CP
    CONSULTATION PAPER INSURANCE CONTRACTS (LRC CP 65 - 2011) © COPYRIGHT Law Reform Commission FIRST PUBLISHED December 2011 ISSN 1393-3140 LAW REFORM COMMISSION‘S ROLE The Law Reform Commission is an independent statutory body established by the Law Reform Commission Act 1975. The Commission‘s principal role is to keep the law under review and to make proposals for reform, in particular by recommending the enactment of legislation to clarify and modernise the law. Since it was established, the Commission has published over 160 documents (Consultation Papers and Reports) containing proposals for law reform and these are all available at www.lawreform.ie. Most of these proposals have led to reforming legislation. The Commission‘s law reform role is carried out primarily under a Programme of Law Reform. Its Third Programme of Law Reform 2008-2014 was prepared by the Commission following broad consultation and discussion. In accordance with the 1975 Act, it was approved by the Government in December 2007 and placed before both Houses of the Oireachtas. The Commission also works on specific matters referred to it by the Attorney General under the 1975 Act. The Commission‘s role also involves making legislation more accessible through three other related areas of activity, Statute Law Restatement, the Legislation Directory and the Classified List of Legislation in Ireland. Statute Law Restatement involves the administrative consolidation of all amendments to an Act into a single text, making legislation more accessible. Under the Statute Law (Restatement) Act 2002, where this text is certified by the Attorney General it can be relied on as evidence of the law in question.
    [Show full text]
  • Imperial Laws Application Bill-98-1
    IMPERIAL LAWS APPLICATION BILL NOTE THIS Bill is being introduced in its present form so as to give notice of the legislation that it foreshadows to Parliament and to others whom it may concern, and to provide those who may be interested with an opportunity to make representations and suggestions in relation to the contemplated legislation at this early formative stage. It is not intended that the Bill should pass in its present form. Work towards completing and polishing the draft, and towards reviewing the Imperial enactments in force in New Zealand, is proceeding under the auspices of the Law Reform Council. It is intended to introduce a revised Bill in due course, and to allow ample time for study of the revised Bill and making representations thereon. The enactment of a definitive statutory list of Imperial subordinate legis- lation in force in New Zealand is contemplated. This list could appropriately be included in the revised Bill, but this course is not intended to be followed if it is likely to cause appreciable delay. Provision for the additional list can be made by a separate Bill. Representations in relation to the present Bill may be made in accordance with the normal practice to the Clerk of the Statutes Revision Committee of tlie House of Representatives. No. 98-1 Price $2.40 IMPERIAL LAWS APPLICATION BILL EXPLANATORY NOTE THIS Bill arises out of a review that is in process of being made by the Law Reform Council of the Imperial enactments in force in New Zealand. The intention is that in due course the present Bill will be allowed to lapse, and a complete revised Bill will be introduced to take its place.
    [Show full text]
  • Elizabeths Ii Regin^E
    IMPERIAL ACTS APPLICATION ACT. ANNO OCTAVO DECIMO ELIZABETHS II REGIN^E Act No. 30, 1969. An Act to provide that certain enactments of the Parliament of England and of the Parliament of Great Britain and of the Parliament of the United Kingdom of Great Britain and Ireland in force in England at the time of the passing of the Imperial Act 9 George IV Chapter 83 shall continue in force in New South Wales; to replace other enactments of such Parliaments; to repeal other enactments of such Parliaments; to validate certain matters; and for purposes connected therewith. [Assented to, 9th April, 1969.] BE DE it enacted by the Queen's Most Excellent Majesty, by and with the advice and consent of the Legislative Council and Legislative Assembly of New South Wales in Parliament assembled, and by the authority of the same, as follows: — PART I. PRELIMINARY. 1. (1) This Act may be cited as the "Imperial Acts Application Act, 1969". (2) This Act shall, except where otherwise expressly provided, commence upon a day to be appointed by the Governor and notified by proclamation in the Gazette. 2. This Act shall be read and construed subject to the Commonwealth of Australia Constitution Act and so as not to exceed the legislative power of the State, to the intent that where any provision of this Act or the application thereof to any person or circumstance is held invalid, the remainder of this Act and the application of the provision to other persons or circumstances shall not be affected. 3. This Act is divided into Parts and Divisions as follows :— PART I.—PRELIMINARY—ss.
    [Show full text]
  • Insurance Contract Law
    The Law Commission and The Scottish Law Commission INSURANCE CONTRACT LAW A Joint Scoping Paper The Law Commission and the Scottish Law Commission were set up by the Law Commissions Act 1965 for the purpose of promoting the reform of the law. The Law Commissioners are: The Honourable Mr Justice Toulson, Chairman Professor Hugh Beale QC, FBA Stuart Bridge Dr Jeremy Horder Professor Martin Partington1 CBE Kenneth Parker2 QC The Chief Executive of the Law Commission is Steve Humphreys and the offices are at Conquest House, 37-38 John Street, Theobalds Road, London WC1N 2BQ. The Scottish Law Commissioners are: The Honourable Lord Eassie, Chairman Professor Gerard Maher QC Professor Joseph Thomson Colin Tyre QC The Chief Executive of the Scottish Law Commission is Michael Lugton and the offices are at 140 Causewayside, Edinburgh EH9 1PR. The terms of this scoping paper were agreed on 21 December 2005 by the Scottish Law Commissioners and by the Commercial and Common Law Team of the English Law Commission. The closing date for responses is 19 April 2006. A response form can be found in Part 4 of the scoping paper, or may be downloaded from: http://www.lawcom.gov.uk/insurance_contract.htm Completed forms and other correspondence may be sent By post to: Peter Tyldesley Law Commission Conquest House 37-38 John Street Theobalds Road London WC1N 2BQ By email to: [email protected] Tel: 020-7453-1201 It would be helpful if, where possible, comments sent by post could also be sent on disk, or by email to the above address, in any commonly used format.
    [Show full text]
  • Insurable Interest Extract from LCCP 201 / SLCDP 152 (Post Contract
    Insurance Contract Law: Insurable Interest Extract from LCCP 201 / SLCDP 152 (Post Contract Duties and other Issues) LLCCP 201 / SLCDP 152 (Extract)) March 2015 PART 11 INSURABLE INTEREST: THE CURRENT LAW 11.1 The law on insurable interest is complex. Here we start by describing the history of legislation in this area. A succession of moral concerns over gambling in the guise of insurance has led to a legislative tangle. 11.2 The following sections look at how the concept has been defined, first for indemnity insurance, and then for life insurance. Generally, the various Acts do not attempt to define insurable interest: this has been left to the courts. For indemnity insurance, the courts have tended towards a wide, open-ended definition. For life insurance, the rules have been interpreted more strictly. 11.3 In 2003, the Court of Appeal reviewed the whole area of insurable interest in Feasey v Sun Life Assurance Co.1 The final section examines this case, which highlights that the categories of insurable interest are far from fixed. They are likely to be developed in the future to meet the needs of commercial convenience. A more detailed account of the law can be found in Issues Paper 4, together with the text of the relevant legislation. THE HISTORY OF LEGISLATION 11.4 As we shall see, the statutes on insurable interest are dated, confused and varied. We start with the common law, and then describe the history of statutes from 1745. The common law 11.5 In Scotland, the common law requires an insurable interest for the policyholder to have a valid policy.
    [Show full text]
  • Law Commission Annual Report 2016-17 Law Com No 378 the Law Commission Annual Report 2016-17
    Annual Report 2016 -17 Annual Report 2016 Law Com No 378 Law Commission Annual Report 2016-17 Law Com No 378 The Law Commission Annual Report 2016-17 (Law Com No 378) The Fifty First Annual Report of the Law Commission Presented to Parliament pursuant to section 3(3) of the Law Commissions Act 1965 Ordered by the House of Commons to be printed on 14 December 2017 HC 639 © Crown copyright 2017 This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated. To view this licence, visit nationalarchives.gov.uk/doc/open-government-licence/version/3 Where we have identified any third party copyright information you will need to obtain permission from the copyright holders concerned. This publication is available at www.gov.uk/government/publications Any enquiries regarding this publication should be sent to us at [email protected] ISBN 978-1-5286-0145-0 ID CCS1217559096 12/17 Printed on paper containing 75% recycled fibre content minimum Printed in the UK by the APS Group on behalf of the Controller of Her Majesty’s Stationery Office Law Commission Annual Report 2016-17 The Law Commission was set up by section 1 of the Law Commissions Act 1965 for the purpose of promoting the reform of the law. This annual report covers the period 1 April 2016 to 31 March 2017, although we have also included references beyond the reporting period, up to and including 30 October 2017 when the terms of this report were agreed. Law Commission staff, Chief Executive and Commissioners at our London office
    [Show full text]
  • Insurance and Reinsurance Law Review
    Insurance and Reinsurance Law Review Eighth Edition Editor Peter Rogan lawreviews © 2020 Law Business Research Ltd Insurance and Reinsurance Law Review Eighth Edition Reproduced with permission from Law Business Research Ltd This article was first published in May 2020 For further information please contact [email protected] Editor Peter Rogan lawreviews © 2020 Law Business Research Ltd PUBLISHER Tom Barnes SENIOR BUSINESS DEVELOPMENT MANAGER Nick Barette BUSINESS DEVELOPMENT MANAGER Joel Woods SENIOR ACCOUNT MANAGERS Pere Aspinall, Jack Bagnall ACCOUNT MANAGERS Olivia Budd, Katie Hodgetts, Reece Whelan PRODUCT MARKETING EXECUTIVE Rebecca Mogridge RESEARCH LEAD Kieran Hansen EDITORIAL COORDINATOR Tommy Lawson PRODUCTION AND OPERATIONS DIRECTOR Adam Myers PRODUCTION EDITOR Caroline Herbert SUBEDITOR Claire Ancell CHIEF EXECUTIVE OFFICER Nick Brailey Published in the United Kingdom by Law Business Research Ltd, London Meridian House, 34–35 Farringdon Street, London, EC4A 4HL, UK © 2020 Law Business Research Ltd www.TheLawReviews.co.uk No photocopying: copyright licences do not apply. The information provided in this publication is general and may not apply in a specific situation, nor does it necessarily represent the views of authors’ firms or their clients. Legal advice should always be sought before taking any legal action based on the information provided. The publishers accept no responsibility for any acts or omissions contained herein. Although the information provided was accurate as at April 2020, be advised that
    [Show full text]