the Insurance Act 2015

The Insurance Act 2015 modernized UK insurance law by clarifying the roles and responsibilities of insurers and policyholders. It introduced clearer rules on how insurance contracts are formed, managed, and enforced, emphasizing good faith and transparency. The act limits insurers' ability to deny claims through technical defenses, promoting fair treatment. It also requires policyholders to disclose relevant information accurately and timely, with clear consequences for non-disclosure or misrepresentation. Overall, the Act aims to create a more balanced, fair, and predictable legal framework for both insurers and policyholders in insurance dealings.