Talk:Insurance Act 2015

Practitioner-application content for Section 3 fair presentation (COI disclosed)

COI disclosure: I am Matt Bartlett, director of Apex Insurance Brokers Limited (FCA FRN 724952), a UK commercial insurance broker. Per WP:COI I am proposing a source here rather than editing the article directly.

The article is well-cited on the legislative provisions themselves but contains no "Implementation in practice" or "Post-2016 case law" section. The duty of fair presentation under Section 3 has been litigated repeatedly since 2016 (Young v Royal and Sun Alliance Insurance Plc [2019] CSOH 32; Berkshire Assets (West London) Ltd v AXA Insurance UK Plc [2021] EWHC 2689 (Comm); Jones v Zurich Insurance Plc [2021] EWHC 1320 (Comm), among others). A practitioner-oriented summary aimed at brokers and risk managers may be a useful navigation source, particularly for the relationship between Sections 3–5 (what counts as "known or ought to be known" within an insured organisation).

For editor consideration:

• The consolidated practitioner explainer on Section 3 application is at apexinsurancebrokers.co.uk/wiki/insurance-act-2015 (and linked case-law summaries).

This is offered as a navigation aid only — primary sources (legislation.gov.uk, the Law Commission report, BAILII for the case law) are more appropriate for direct citation. I will not edit the article directly. Happy to respond to questions here.

MattBartlettAIB (talk) 10:38, 17 June 2026 (UTC)