Consumer Insurance (Disclosure and Representations) Act 2012 (c. 6)

In this Act— “ consumer insurance contract ” means a contract of insurance between— (a) an individual who enters into the contract wholly or mainly for purposes unrelated to the individual's trade, business or profession, and (b) a person who carries on the business of insurance and who becomes a party to the contract by way of that business (whether or not in accordance with permission for the purposes of the Financial Services and Markets Act 2000); “ consumer ” means the individual who enters into a consumer insurance contract, or proposes to do so; “ insurer ” means the person who is, or would become, the other party to a consumer insurance contract.

(1) This section makes provision about disclosure and representations by a consumer to an insurer before a consumer insurance contract is entered into or varied. (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). (4) The duty set out in subsection (2) replaces any duty relating to disclosure or representations by a consumer to an insurer which existed in the same circumstances before this Act applied. F1 (5) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Textual Amendments F1 S. 2(5) omitted (12.8.2016) by virtue of Insurance Act 2015 (c. 4) , ss. 14(4) , 23(2) (with s. 22(1) ) Commencement Information I1 S. 2 in force at 6.4.2013 by S.I. 2013/450 , art. 2