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EXPLANATORY NOTES

Explanatory notes to the Bill, prepared by the Treasury, are published separately as
HL Bill 39—EN.

EUROPEAN CONVENTION ON HUMAN RIGHTS

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

In my view the provisions of the Insurance Bill [HL] are compatible with the
Convention rights.

Contents

  1. Part 1

    Insurance contracts: main definitions

    1. 1. Insurance contracts: main definitions

  2. Part 2

    The duty of fair presentation

    1. 2. Application and interpretation

    2. 3. The duty of fair presentation

    3. 4. Knowledge of insured

    4. 5. Knowledge of insurer

    5. 6. Knowledge: general

    6. 7. Supplementary

    7. 8. Remedies for breach

  3. Part 3

    Warranties

    1. 9. Warranties and representations

    2. 10. Breach of warranty

  4. Part 4

    Fraudulent claims

    1. 11. Remedies for fraudulent claims

    2. 12. Remedies for fraudulent claims: group insurance

  5. Part 5

    Good faith and contracting out

    1. Good faith

      1. 13. Good faith

    2. Contracting out

      1. 14. Contracting out: consumer insurance contracts

      2. 15. Contracting out: non-consumer insurance contracts

      3. 16. The transparency requirements

  6. Part 6

    Amendment of the Third Parties (Rights against Insurers) Act 2010

    1. 17. Power to change meaning of “relevant person” for purposes of 2010 Act

    2. 18. Other amendments

  7. Part 7

    General

    1. 19. Provision consequential on Part 2

    2. 20. Application etc of Parts 2 to 5

    3. 21. Extent, commencement and short title

    1. Schedule 1

      Insurers’ remedies for qualifying breaches

      1. Part 1

        Contracts

      2. Part 2

        Variations

      3. Part 3

        Supplementary

    2. Schedule 2

      Rights of third parties against insurers: relevant insured
      persons

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