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EXPLANATORY NOTES

Explanatory notes to the Bill, prepared by HM Treasury, are published separately as
Bill 274—EN.

EUROPEAN CONVENTION ON HUMAN RIGHTS

Mark Hoban has made the following statement under section 19(1)(a) of the Human
Rights Act 1998:

In my view the provisions of the Consumer Insurance (Disclosure and
Representations) Bill [HL] are compatible with the Convention rights.

Contents

  1. Main definitions

    1. 1. Main definitions

  2. Pre-contract and pre-variation information

    1. 2. Disclosure and representations before contract or variation

    2. 3. Reasonable care

  3. Qualifying misrepresentations

    1. 4. Qualifying misrepresentations: definition and remedies

    2. 5. Qualifying misrepresentations: classification and presumptions

  4. Specific issues

    1. 6. Warranties and representations

    2. 7. Group insurance

    3. 8. Insurance on life of another

    4. 9. Agents

    5. 10. Contracting out

  5. Final provision

    1. 11. Consequential provision

    2. 12. Short title, commencement, application and extent

    1. Schedule 1

      Insurers’ remedies for qualifying misrepresentations

      1. Part 1

        Contracts

      2. Part 2

        Variations

      3. Part 3

        Modifications for group insurance

      4. Part 4

        Supplementary

    2. Schedule 2

      Rules for determining status of agents

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