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Index

Insurance Act 2015: A new regime for commercial and marine insurance law


Page 169

Index

Index

  • bad faith: fraudulent claims, and 61
  • basis clauses 54
  • breach of warranty 578
  • burden of proof: causation test, and 121; fair presentation, and 116
  • causation 119
  • caveat emptor 11112
  • City of London; insurance, and 2
  • commercial contracts: contracting out of see contracting out
  • commercial risks 1237; duty of utmost good faith 1326 see also Utmost good faith
  • common law: late payment of claims 7881; warranties 545
  • consumer: concept of 23
  • Consumer Insurance (Disclosure and Representations) Act 2012 67, 107
  • contract: effect of fraud on 659, 724, 76; termination on fraud 679
  • contracting out 94106; analysis of provisions on 97105; blanket clauses 1034; disadvantageous term 99; disputes 104; effect of term 103; exclusion clauses 98; hostility towards 04; “in a worse position” 97; Insurance Act, of 36; late payment of claims, and 923; philosophy behind provisions 956; provisions on 97; remedies 1012; restrictions 96; sophisticated markets 99; standard clauses 99100; transparency requirements 98; warranties 104
  • damages: fraudulent claims, and 6971, 74; late payment, and 8891
  • deceit: tort of 40
  • disclosure: assured’s, manner of 30; broker’s duty of 301; duty of 8; exceptions 1720; Insurance Act, under 11213; lack of good faith, and 108; limitations 11314; utmost good faith, and 1517
  • Disputed claims: late payment, and 868
  • Enterprise Act 10
  • exclusion clauses 98
  • fair presentation 89, 2836; assured’s duty 289; assured’s knowledge 313; broker’s duty of disclosure 301; contracting out 36; fundamental changes 306; good faith, and 112; insurer’s knowledge 334; jejune presentation 113; manner of assured’s disclosure 30; remedies 346, 11516; warranties, and 117
  • Financial Ombudsman Service (FOS) 3
  • fraud 9; fraudulent claims 910 see also fraudulent claims
  • fraudulent claims 910, 6077; bad faith 61; damages for 6971, 74; effect of fraud on claim 634, 712, 746; effect of fraud on contract 659, 724, 76; fraudulent device, whether 121; Insurance Act provisions 714; law reform 62; MIA 1906, under 61; pre-Insurance Act 6371; remedies, pre-Insurance Act 6371; uberrimae fidei 60
  • good faith, duty of 3853; caveat emptor, and 11112; fair presentation, and 112; insurer obligations and 468; insurer post-contractual duty 4652; insurer pre-contractual duty 3946; insurer’s rights and 4952; introduction of doctrine 1078;

    Page 170

    materiality test 445; mutual obligation 45; pre-contractual disclosure 11011; scope of duty 43, 44; utmost see utmost good faith
  • inducement: utmost good faith, and 234
  • insurance: British export, as 1; law of 12; range of products 3
  • Insurance Act 2015 111; background 111; broad principles 10910; commercial risks under 1237 see also Commercial risks; contracting out of 36, 94106 see also Contracting out; default scheme, as 10; definitions 114; disclosure duty 8; duty of fair presentation 89, 2836 see also Fair presentation; fraud 9; fraudulent claims 714 see also Fraudulent claims; history 13; information technology, and 114; new duties 78; non-revolutionary, as 122; “readily available” information 11415; scope 7; section 12, impact 746; tests under 109; text of 14967; utmost good faith 278; warranties 9, 557
  • Insurance Ombudsman Bureau (IOB) 3
  • Jurisprudence: MIA 1906, and 107
  • late payment 7893; common law 7881; contracting out 923; contracting out of implied term 823; damages 8891; disputed claims 868; implied duty to pay on time 834; liability in damages 912; payment, implied term 82; reasonable time, obligation 846; reforms 8193
  • Law Commission 45; contracting out, and 94; fraudulent claims 60, 62; late payment consultation 10; reform proposals 45; warranties, and 119
  • liability in damages: independent nature of 912
  • Lloyds Marketing Association (LMA) 95
  • Mansfield, Lord 107
  • Marine Insurance Act 1906 1, 12348; codification, as 107; disclosure duty 8; drafting 3; fraudulent claims 61; text of 12348; utmost good faith under 1314
  • materiality: scope 42; test for 445; utmost good faith, and 213
  • misrepresentation 201; avoidance, and 256; formation stage, at 3940
  • Misrepresentation Act 1967 40
  • remedies: breach of warranties 58; contracting out, and 1012; damages 6971, 74; defining 11718; fair presentation 34–6115–16; fraudulent claims, law on 6371 see also fraudulent claims; nature of breach, and 116; test for 11819; utmost good faith 246
  • SMEs: contracting out, and 94
  • sophisticated insurance: contracting out, and 95
  • standard clauses: contracting out, and 99100
  • super-warranty 120
  • termination: fraudulent claims, and 679
  • Third Parties (Rights against Insurers) Act 2010 56
  • Transparency: contracting out, and 98
  • United Kingdom: consumer activity 23; insurance law 2
  • uberrimae fidei 60
  • utmost good faith 1326, 278; amendments to contract 26; disclosure under 1517; duty of 1326; MIA 1906, under 1314; exceptions to disclosure duty 1720; inducement 234; Insurance Act modifications 110; materiality 213; misrepresentation 201; remedies 246; variations of contract 26
  • variation: insurance contract 26
  • Warranties 9, 549; breach of warranty 578; common law 545; contracting out, and 104; defining 1089; defining risk, and 120; fair presentation, and 117; other contracts distinguished 117; super-warranty 120; time specific 118;

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