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Insurance Act a year to go

12 August 2015

The Insurance Act 2015 (the Act) comes into force a year today, bringing with it the most significant reform of commercial insurance law in over 100 years.

Therefore, if steps are not already being taken, all market participants would be prudent to use the coming months to:

  • educate staff and customers about the practical implications of the Act, particularly with respect to the application of the new duty of fair presentation and insurer’s proportionate remedies
  • review customer facing documentation to ensure it reflects the provisions
  • consider and prepare for the commercial pressures and opportunities that the Act will bring.

Any policy with a duration of 12 months or more that now incepts will overlap with the commencement date of the Act. However, it is important to note that the Act will only apply to policies that incept or are amended after the commencement date, which is a year today.

Needless to say, the sector is in for a busy 12 months.


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