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Consumer Insurance (Disclosure and Representations) Bill (HL Bill 68)

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EXPLANATORY NOTES

Explanatory notes to the Bill, prepared by HM Treasury, are published separately as

HL Bill 68—EN.

EUROPEAN CONVENTION ON HUMAN RIGHTS

Lord Sassoon 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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