Consumer insurance Act 2012

The Consumer Insurance (Representation and Disclosure) Act 2012 will come into force on 6th April 2013. It removes the duty on consumers to disclose any facts that a prudent underwriter would consider material, and replaces this with a duty to take reasonable care not to make a misrepresentation.

What is the purpose of the Consumer Insurance Act?

An Act to make provision about disclosure and representations in connection with consumer insurance contracts. B e it enacted by the Queen's most Excellent Majesty, by and with the advice and consent of the Lords Spiritual and Temporal, and Commons, in this present Parliament assembled, and by the authority of the same, as follows:—

What are the effects of the Consumer Insurance (Disclosure and Representations) Act 2012?

There are currently no known outstanding effects for the Consumer Insurance (Disclosure and Representations) Act 2012. An Act to make provision about disclosure and representations in connection with consumer insurance contracts.

What are the consumer’s obligations under the Consumer Protection Act?

(2) It is the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer. (3) A failure by the consumer to comply with the insurer’s request to confirm or amend particulars previously given is capable of being a misrepresentation for the purposes of this Act (whether or not it could be apart from this subsection).