About Insurance & Reinsurance Law
Lexis®+ Insurance & Reinsurance caters for both contentious and non-contentious practitioners. It delivers practical guidance on topics ranging from regulatory obligations that apply to insurers and insurance intermediaries, to key legal concepts
in insurance and reinsurance law and practice, to guidance on particular classes of insurance.
Insurance claims
We provide practical guidance in relation to insurance claims, including on subrogation, allocation and aggregation, together with detailed guidance on relevant legislation.
Regulation of insurance
We provide comprehensive guidance on the regulation of insurance in the UK and the EU, alongside trackers and guidance on hot topics such as implementing the FCA's new consumer duty.
Types of insurance
Our guidance includes Practice Notes on the different types of insurance, ranging from aviation insurance to warranty and indemnity cover, and everything in between.
Intermediaries and market practice
Get practical guidance on the functions and duties of insurance intermediaries along with guidance on insurance and reinsurance market practice. This includes a detailed glossary and Practice Notes pack.
Our Insurance & Reinsurance Experts
Susie Wakefield
Charlotte Shakespeare
Rebecca Huggins
Bob Haken
Jonathan Drake
Latest Insurance & Reinsurance News
Law36: A London court has ruled that the company operating a dental practice in Leeds did not misrepresent itself in a policy with Zurich, and the...
Law360, London: Insurers paid out a record £11.7bn in motor claims in 2024, a trade body said on 17 February 2025 after it warned the government...
Law360: Insurance premium growth in Britain is expected to stabilise in 2025 amid falling costs, a consultancy said on 17 February 2025, as it warned...
PI & Clinical Negligence analysis: The Court of Appeal held that qualified one-way costs shifting (QOCS) applied to a case for misuse of private...
This week's edition of Insurance & Reinsurance weekly highlights includes: Insurers say stranded jets not covered by war risks policies; the case of...
Latest Insurance & Reinsurance Practice Notes
Relevant life and excepted group life policies—practical issuesStatute provides for two tax-efficient alternatives to a life assurance policy held...
UK financial and trade sanctions for insurersInsurers must negotiate a patchwork system of financial and trade sanctions. In the UK, the primary...
Hull and machinery insuranceWhat is hull and machinery insurance?Hull and machinery insurance (‘H&M insurance’) is a form of insurance which covers...
Sanctions clauses and the effect of sanctions on insurance policiesThe Practice Note entitled EU/UK financial and trade sanctions for insurers...
Prudential requirements for UK insurers—Pillar 2 and Pillar 3 requirementsIntroduction to the prudential regulatory frameworkThis Practice Note is one...
Latest Insurance & Reinsurance Precedents
Particulars of claim in a Motor Insurers' Bureau uninsured caseClaim no: [insert claim number]In the county court at [insert]Between[INSERT CLAIMANT’S...
Particulars of claim against an uninsured driver joining the Motor Insurers' Bureau (MIB) as second defendantIN THE [INSERT NAME OF COURT]Claim no....
Construction Pre-Action Protocol letter of claim—professional negligence claim against architect or engineerNote:•this Practice Note gives specific...
Letter of claim—against a surveyor for breach of contract and, or alternatively, negligence in producing a valuation[ON THE HEADED NOTEPAPER OF...
Letter of claim—against a broker for breach of contract and, or alternatively, negligence in arranging or failing to arrange insurance cover[ON THE...
Latest Insurance & Reinsurance Q&As
Featured Insurance & Reinsurance content
Insurable interest
Insurable interestThis Practice Note considers insurable interest, including insurable interest in construction and liability insurance. It also...
The functions and duties of insurance brokers—policy placement
The functions and duties of insurance brokers—policy placementThis Practice Note provides a high level introduction to the functions and duties of...
Public liability insurance—essentials
Public liability insurance—essentialsPublic liability insurancePublic liability insurance is a form of liability insurance that indemnifies a...
Double insurance and contribution
Double insurance and contributionOverlapping insurance policesThere are various reasons why an insured may end up with overlapping insurance cover,...
An introduction to Lloyd’s of London
An introduction to Lloyd’s of LondonWhat is the Lloyd’s market?The Lloyd’s market is an insurance market, whose origins date back to the seventeenth...
Insurance agents and brokers
Insurance agents and brokersWhat is the difference between an agent and a broker?Where insurance is transacted through an intermediary, that...
Professional indemnity insurance—essentials
Professional indemnity insurance—essentialsWhat is professional indemnity insurance?Professional indemnity insurance is a form of liability insurance....
General principles of insurance contract law
General principles of insurance contract lawWhat is insurance law?Insurance law can be split into three parts:•insurance contract law which governs...
Exclusion clauses in insurance contracts
Exclusion clauses in insurance contractsWhat are exclusion clausesUnlike some exclusion or exemption clauses in ordinary contracts, an exclusion...
Insurance premium
Insurance premiumAn insurance premium is the sum paid for insurance or reinsurance cover and is the consideration paid by the (re)insured for the...
Marine insurance—general principles
Marine insurance—general principlesThis Practice Note describes the main principles of marine insurance as governed by the Marine Insurance Act 1906....
What is a contract of insurance?
What is a contract of insurance?This Practice Note covers the legal framework and regulatory guidance to be considered in determining whether an...
Sanctions clauses and the effect of sanctions on insurance policies
Sanctions clauses and the effect of sanctions on insurance policiesThe Practice Note entitled EU/UK financial and trade sanctions for insurers...
Product liability and product recall insurance
Product liability and product recall insuranceWhat is product liability insurance?Product liability insurance provides an indemnity to a business in...
Trade credit insurance
Trade credit insuranceTrade credit insurance typically provides protection to a policyholder against non-payment of accounts receivable, due to the...
Reinsurance—essentials
Reinsurance—essentialsThe parties to a reinsurance contract and reinsurance terminologyThe principal parties to any reinsurance contract are the...
ICOBS Insurance: Conduct of Business Sourcebook—application, general matters, distance communications, information about the firm and product information
ICOBS Insurance: Conduct of Business Sourcebook—application, general matters, distance communications, information about the firm and product...
Terms of Business Agreement (TOBA)—insurer and managing agent/broker
Terms of Business Agreement (TOBA)—insurer and managing agent/brokerAn Agreement dated [date] governing the conduct of Insurance Business...
Associated legal terms
Endorsement
a document that amends an insurance policy, for example to impose an exclusion, vary the sum or property insured, or to extent the policy period.
Facultative reinsurance
Reinsurance in respect of a particular risk, as compared with a reinsurance treaty, which provides a contractual framework for the automatic or optional cession of risks to be reinsured.
Fair presentation
The duty of fair presentation is a requirement for non-consumer insurance contracts under the Insurance Act—duty of fair presentation and for consumer insurance contracts under the Consumer Insurance (Disclosure and Representations) Act 2012, by an insured/potential insured to disclose all material facts to insurers in a clear manner.
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