For the ultimate guide to insurance contract law, look no further than Colinvaux’s Law of Insurance. Divided into three parts, the first section delves into the key principles of insurance contracts, covering terms and conditions, loss and recovery limits, causation, subrogation, and claim notifications.
The subsequent sections focus on the various parties involved and the distinctive features of special types of insurance contracts in the UK, such as liability policies. The commentary provides expert examination of rights and issues, supported by analysis of the most recent and significant case law.
Key features include:
Recent editions have chronicled the legal consequences of various disasters, including mesothelioma claims following the establishment of tort liability in the Fairchild case in 2001, the Christchurch earthquakes in 2010-2011 and the COVID-19 pandemic beginning in March 2020. These matters have thrown up entirely new legal issues and have challenged what was thought to be orthodox learning on old ones. Key questions arising from them, and in particular the application of business interruption policies to COVID-19 losses, remain unresolved and feature heavily in the present edition. The Russian invasion of Ukraine on 24 February 2022 has highlighted a further range of questions which can be and has been answered only by resort to, and reinterpretation of, earlier authority. The Consumer Insurance (Disclosure and Representations) Act 2012, the Third Parties (Rights against Insurers) Act 2010 and the Insurance Act 2015 have been in force for around a decade. After a slow start, cases are now beginning to come through on the proper interpretation of the legislation. This edition provides detailed commentary on these emerging decisions, highlighting how courts are now interpreting the legislation in practice.
