Fenchurch Law

The Consumer Insurance (Disclosure and Representations) Act 2012 (CI(DR)A 2012) changed the obligation for policyholders to volunteer information to insurers, replacing it with a duty to take reasonable care not to make misrepresentations when answering questions from the insurer. This Practice Note looks at the background to the implementation of CI(DR)A 2012 and provides an overview of some of the main provisions in CI(DR)A 2012 in relation to consumer insurance and duty of care for misrepresentation in consumer insurance.

This Practice Note considers some of the key insurance issues that are likely to flow from the Building Safety Act 2022 (BSA 2022) in relation to enhanced duties, extended liabilities, new remedies and policy coverage.

This Practice Note provides an overview of some of the most common types of insurance that are available, who might need them, and how they work.

Reinstatement in property insurance can be a difficult issue for a policyholder to navigate in the wake of a loss. The answers to what might seem like obvious questions such as: what is it? who does it? and, do the costs actually have to be incurred? are often far from straightforward, and have been the subject matter of disputes. This Practice Note summarises the key principles, including ’betterment’.