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The Consumer Insurance (Disclosure and Representations) Act 2012 (c.6)〔The Consumer Insurance (Disclosure and Representations) Act 2012 (c.6)〕 is a UK Act of Parliament that makes important reforms to insurance law. The Act was a consequence of the Law Commission's millennium review of the law of insurance that has been ongoing since 2006. The review examined insurance in general, and of marine insurance in particular.〔http://insurance.dwf.co.uk/news-updates/2015/02/the-insurance-act-2015-is-here…or-almost-here/〕 The new legislation is a response to a consensus that the Marine Insurance Act 1906 is old-fashioned, it no longer represents current practice, and it undermines the continuing dominant position of English Insurance in the global market.〔http://www.cii.co.uk/knowledge/policy-and-public-affairs/articles/cii-briefing-insurance-act-2015/35287〕 The Act has since been complemented by the Insurance Act 2015; and both of these modern Acts have significantly amended the Marine Insurance Act 1906, particularly in the area of misrepresentation and disclosure. ==The Act's provisions== The Consumer Insurance (Disclosure and Representations) Act 2012 makes provisions as follows: * Section 1 creates the concept of "consumer" and "non-consumer" insurance contracts.. * Section 2 covers Pre-contractual disclosures and representations to the insurer. The Act imposes a duty upon the insured to take reasonable care not to make a misrepresentation to the insurer. * Section 3 declares that the Standard of Care is to be determined in the light of all the relevant circumstances. * Sections 4 defines "qualifying misrepresentations: definitions and remedies". * Sections 5 defines "qualifying misrepresentations: classification and presumptions". * Section 6 covers warranties and representations * Schedule 1 makes provision for Insurers' remedies for qualifying misrepresentations. * Schedule 2 makes provision for rules determining the status of agents 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Consumer Insurance (Disclosure and Representations) Act 2012」の詳細全文を読む スポンサード リンク
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