The Insurance Act of 2015

Client Advisory
August 12, 2016

The Insurance Act 2015 came into force on 12 August, 2016. It is the most extensive reform of UK insurance contract law for commercial policyholders that has taken place in over 100 years.

The changes have been introduced to redress the imbalance between insurers and policyholders – insurers having been perceived, historically, as having too much leverage in coverage disputes because the old regime was outmoded and overly protective of the insurers' position.

The Insurance Act 2015, which now applies to all contracts of insurance and reinsurance governed by English law, and to any variations to existing contracts made on or after 12 August:

For further details or to discuss these significant changes, please contact Marian Boyle, Insurance Partner at Sullivan & Worcester in London on +44 (0)20 7448 1004 or

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