Insurance Act 2015: Key primary legislation governing insurance contracts in England and Wales, covering duty of fair presentation, warranties and terms, and remedies for fraudulent claims
Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services including insurance, covering authorization requirements and consumer protection provisions
Consumer Insurance (Disclosure and Representations) Act 2012: Governs consumer insurance aspects, particularly the duty of reasonable care to avoid misrepresentation for group members considered consumers
FCA Handbook: Regulatory guidelines including Insurance Conduct of Business Sourcebook (ICOBS), Treating Customers Fairly (TCF) principles, and claims handling requirements
PRA Requirements: Prudential Regulation Authority requirements covering capital adequacy and risk management for insurance providers
Data Protection Act 2018 and UK GDPR: Legislation governing the processing of personal data, privacy notices, and data security requirements in insurance contracts
Equality Act 2010: Legislative framework ensuring non-discrimination and accessibility requirements in insurance provisions
Contract Law: Common law principles governing formation of contract, terms and conditions, and consideration in insurance agreements
Insurance Distribution Directive: EU-derived legislation implemented in UK law covering information requirements and product oversight and governance in insurance distribution
