
Legal Focus

Premium hikes expose cracks in claims handling as FCA ramps up pressure
UK personal lines insurers have made progress in areas such as pricing reforms, but gaps remain in claims handling that risk eroding consumer confidence

Law relating to reimbursement of APP scams continues to develop
The insurance market has been innovative in responding to the evolving needs of banks and payment services providers with bespoke authorised push payment fraud products

A shifting pensions landscape has implications for professional liability insurers
Regulation is becoming tougher, oversight is increasing, and expectations are rising

New maritime decarbonisation technologies are impacting marine insurers
While many of these technologies are currently at early stages of development, their broader adoption will have implications for marine insurers

Interpreting political risk and political violence coverage
The judgement in Hamilton Corporate Member and others v Afghan Global Insurance provides a pragmatic interpretative framework for differentiating political risk from political violence in the context of English insurance law

EU introduces new rules governing use of artificial intelligence
As the use of AI advances rapidly, insurers should expect the regulatory landscape to continue to evolve

Awaab’s Law rewrites the rulebook for insurers on housing risk
With statutory deadlines looming, insurers and housing providers must prepare for a new era of accountability and transparency in the UK

The UK’s approach to regulatory enforcement is evolving
Firms face some significant new requirements as FCA threatens ‘loud and in your face’ enforcement

Regulators look to change management of climate risks
Proposals from the Prudential Regulation Authority represent a significant regulatory shift in the way UK insurers approach climate-related financial risk

The Supreme Court’s motor finance ruling has implications for re/insurers
The court's examination of fiduciary relationships is important for the whole financial services sector, including the re/insurance industry, with its multiple layers of intermediation

The impact and potential of AI in the claims process
DAC Beachcroft’s report on the impact and potential of AI in the insurance claims process reveals a sector ‘embracing change, with eyes wide open’

UK Supreme Court suggests Covid claims may be far from over
Top UK court will examine whether insurers are entitled to deduct the value of furlough payments from Covid-19 business interruption payments
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