REFORMING INSURANCE LAW: - Law Commission
REFORMING INSURANCE LAW: - Law Commission
REFORMING INSURANCE LAW: - Law Commission
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CONTENTS<br />
Paras<br />
1 INTRODUCTION 1.1 – 1.4<br />
2 HISTORY OF THE AUSTRALIAN REFORMS 2.1 – 2.4<br />
3 THE NATURE OF THE DUTY OF UTMOST GOOD FAITH<br />
The Duty of Good Faith in English <strong>Law</strong> 3.1 – 3.5<br />
The Australian concept of Utmost Good Faith 3.6 – 3.11<br />
Comparisons 3.12 – 3.13<br />
4 NON-DISCLOSURE AND MISREPRESENTATION<br />
The duty of disclosure<br />
Structure of the legislation 4.1 – 4.3<br />
Pre-contract disclosure 4.4 – 4.5<br />
Disclosure of the obligation to disclose 4.16 – 4.17<br />
Special treatment of eligible policies 4.18 – 4.25<br />
Misrepresentation<br />
Materiality and inducement 4.26 – 4.27<br />
Statements of fact 4.28 – 4.29<br />
Statements of opinion/belief 4.30 – 4.33<br />
Misrepresentation by placing brokers 4.34<br />
Brokers<br />
Disclosure by placing brokers 4.35 – 4.38<br />
Misrepresentation by placing brokers 4.39<br />
Remedies<br />
Outline 4.40 – 4.42<br />
The inducement requirement 4.43 – 4.44<br />
Fraud 4.45 – 4.51<br />
Cases other than fraud: damages 4.52 – 4.55<br />
Cancellation 4.56<br />
Life insurance: misrepresentation 4.57 – 4.61<br />
Life insurance: non-disclosure 4.62<br />
A New Zealand excursus 4.63 – 4.67<br />
Co-assureds 4.68 – 4.69<br />
Group insurance and declaration policies 4.70 – 4.71<br />
Temporary cover 4.72 – 4.73<br />
The subscription market 4.74 – 4.75<br />
5 THE CONTINUING DUTY OF UTMOST GOOD FAITH<br />
The implied term 5.1 – 5.3<br />
The meaning of utmost good faith 5.4<br />
The continuing duty of the assured 5.5<br />
The continuing duty of the insurers 5.6 – 5.10<br />
Comment 5.11 – 5.12<br />
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