The Insurance Act 2015 (the “Act”), together with its earlier sibling, the Consumer Insurance (Disclosure and Representations) Act 2012 (CIDRA), is the most significant reform of the nation’s insurance law since Lord Mansfield in the eighteenth century, some 250 years ago, started to lay down the elements of what would hitherto have been described as the current law. The Marine Insurance Act 1906 (the “1906 Act”), designed for marine insurance but with huge impact on our insurance law generally, was not itself a reform but in essence a codification of the then existing common law.