UK Act of Parliament 2012 United Kingdom

Consumer Insurance (Disclosure and Representations) Act 2012

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At a glance

Enforced by

FCA

What's here

2 compliance obligations, 2 practical guides across 2 topics · 2 journeys

Who this Act binds

Business-side actors with duties under this Act, ranked by how often they appear.

  • Any Person 1
  • Trader 1

Step-by-step journeys using this legislation

Walkthroughs that take you from a real business situation to compliance.

Relevant guidance

Practical guides for businesses affected by this Act, ordered by how closely they engage with it.

Supporting — topic alignment

2 guides

Other Acts binding the same actors

For each actor bound by this Act, the other UK Acts that bind them most often. Useful for understanding the full compliance landscape facing each role.

Any Person also bound by 2338 other Acts (top 5 shown)
Traders also bound by 826 other Acts (top 5 shown)

What this Act requires

Sections that create concrete duties on businesses or carry penalties. Procedural and definitional sections are folded into the “Browse other sections” expander at the bottom of each group. Click any section title to read the source text on legislation.gov.uk.

Schedules

s.sch001

If the insurer would not have entered into the consumer...

  • Return premiums when avoiding consumer insurance contract Trader
s.sch001

(1) This paragraph— (a) applies if the qualifying misrepresentation was...

  • Insurer: give notice or terminate contract after careless misrepresentation not relating to a claim Any Person
Browse 21 other Schedules — structural / supplementary
s.sch001

This Part of this Schedule applies in relation to qualifying...

s.sch001

This Part of this Schedule applies in relation to qualifying...

s.sch001

If the subject-matter of a variation can reasonably be treated...

s.sch001

Otherwise, Part 1 applies (with any necessary modifications) as if...

s.sch001

Part 1 is to be read subject to the following...

s.sch001

References to the consumer insurance contract (however described) are to...

s.sch001

References to claims and premiums are to claims and premiums...

s.sch001

The reference to the consumer is to be read—

s.sch001

Section 84 of the Marine Insurance Act 1906 (return of...

s.sch001

If a qualifying misrepresentation was deliberate or reckless, the insurer—...

s.sch001

If the qualifying misrepresentation was careless, paragraphs 4 to 8...

s.sch001

The insurer's remedies are based on what it would have...

s.sch001

If the insurer would have entered into the consumer insurance...

s.sch001

In addition, if the insurer would have entered into the...

s.sch001

“Reduce proportionately” means that the insurer need pay on the...

s.sch002

This Schedule sets out rules for determining, for the purposes...

s.sch002

The agent is to be taken as the insurer's agent...

s.sch002

(1) In any other case, it is to be presumed...

s.sch002

(1) If it appears to the Treasury that the list...

Browse 12 other sections — procedural / definitional / commencement
Read the full Act on legislation.gov.uk (opens in a new tab)

Official guidance

Authoritative sources published by regulators or government explaining this legislation.

Enforcement and responsible bodies

The regulators that administer or enforce this legislation.

FCA

Financial Conduct Authority

Regulation of financial services firms and markets. Supervises banks, insurers, investment firms, payment services, and cryptoasset businesses. Issues authorisations and enforces conduct …

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Regulators

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