Peter J Tyldesley
Essential guide to the radical reforms to consumer insurance law which come into force on 6 April 2013
‘It has long been recognised that the law around disclosure of information to insurers needed change. Laws dating back over a century, designed for commercial insurance contracts, were the legal basis for rules of disclosure by consumers…It was time for the law to catch up with custom and practice.’
Mark Hoban MP
Minister for Employment and former Financial Secretary to the Treasury
From the foreword to this title
With the implementation of the Consumer Insurance (Disclosure and Representations) Act 2012 and its transformation of the consumer/insurer relationship, practitioners will find themselves in need of a single reference guide to consult.
Consumer Insurance Law: Disclosure, Representations and Basis of the Contract Clauses explains the reforms brought about by the Act and the impact these changes will have on insurance practice. This brand new title provides a clear and comprehensive guide to the current law and the new law applicable from 6 April 2013.
Comprehensive content and expert contributors
Collating contributions from those at the heart of the reform process and those with a knowledge of the present system, Consumer Insurance Law offers an authoritative account of the new law set in context.
Key content includes:
• Consumer insurance: the current law on pre-contractual information
John Birds, University of Manchester
• Reform at last: the weaknesses in the current law and previous reform initiatives
Peter J Tyldesley, University of Manchester
• The Financial Services Authority: the impact of statutory rules, guidance and TCF initiatives
Dr Robert Purves, barrister
• The Financial Ombudsman Service: its role and approach and the effect of its decisions
Melissa Collett, Financial Ombudsman Service
• The British Insurance Law Association: the influence of its 2002 report in initiating reform
Alison Green, barrister
• The Law Commissions’ reform proposals and the effect of the new Act
David Hertzell, Law Commission for England and Wales
• Looking forward: what’s next on the reform agenda?
Tamara Goriely, Law Commission for England and Wales
Significant participants in the reform process, including the Association of British Insurers, Macmillan Cancer Support, Which?, Swiss Re, the Chartered Insurance Institute and the Trading Standards Institute, also detail their views on the reforms.
Who should read this book?
Consumer Insurance Law is an essential title for those planning for the impending changes or those seeking a complete guide to both new and current law in this field. Insurance lawyers, insurance professionals, academics, students, employees of the Financial Ombudsman Service, the Prudential Regulation Authority and the Financial Conduct Authority, and other groups with an interest in consumer insurance law, such as Citizens Advice Bureaux, will find this an invaluable reference source.
About the editor
Peter J Tyldesley is a leading insurance law academic and was formerly the lawyer responsible for the review of insurance contract law at the Law Commission for England and Wales. He is currently a lecturer in insurance law at the University of Manchester and senior research fellow in law at St Mary’s University College, Twickenham.
ISBN: 978 1 84766 918 6 Pub date: February 2013 Format: Paperback
Price: £95 Extent: 420pp