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About Insurance & Reinsurance Law

Lexis®+ Insurance & Reinsurance caters for both contentious and non-contentious practitioners. It delivers practical guidance on topics ranging from regulatory obligations that apply to insurers and insurance intermediaries, to key legal concepts in insurance and reinsurance law and practice, to guidance on particular classes of insurance.

Insurance claims

We provide practical guidance in relation to insurance claims, including on subrogation, allocation and aggregation, together with detailed guidance on relevant legislation.

Regulation of insurance

We provide comprehensive guidance on the regulation of insurance in the UK and the EU, alongside trackers and guidance on hot topics such as implementing the FCA's new consumer duty.

Types of insurance

Our guidance includes Practice Notes on the different types of insurance, ranging from aviation insurance to warranty and indemnity cover, and everything in between.

Intermediaries and market practice

Get practical guidance on the functions and duties of insurance intermediaries along with guidance on insurance and reinsurance market practice. This includes a detailed glossary and Practice Notes pack.

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Latest Insurance & Reinsurance Q&As

Q&As
Brexit—what are the passporting and equivalence implications for the UK insurance sector?
Q&As
A driver was using new personalised number plates when they crashed into a wall. A search on this number plate found that it was not associated to the vehicle. It transpired that the driver had missed a step in the process when registering the new number plate and so the old registration plate was still associated with their vehicle. Would this affect the insurer and indemnity?
Q&As
Can extended warranties covered by the Supply of Extended Warranties on Domestic Electrical Goods Order 2005, also be regulated by the FCA? What are the cancellation and refund rights for these types of warranties?
Q&As
Can an insurance company reclaim insurance payments previously paid under the policy under the principle of double recovery (through part-time salary and dividends) where there is no express term prohibiting double recovery in the insurance policy?
Q&As
A claimant who is pursuing a personal injury claim has personal accident cover with their car insurer. The insurer is going to be paying compensation for each of their injuries. While the claimant paid for the policy premiums themselves, they were reimbursed by their spouse’s financial deputy (under their personal injury claim for a separate accident). Would the reimbursement by their spouse’s financial deputy amount to the claimant not paying the policy premiums themselves?
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Associated legal terms

Co-insurance

Where a policy is written and claims are paid, by more than one insurer or reinsurer, under separate contracts of insurance.

Long tail risk

Insurance of risks in respect of which claims may not be notified or settled until a relatively long time after the policy period expires (eg asbestos related illness on losses occurring policies).

Reservation of Rights

/rɛzəˈveɪʃ(ə)n/ /ɒv,(ə)v/ /rʌɪt/

An express indication by insurers stating that rights are reserved or there is a reservation of rights under the policy, means that indemnity under the insurance policy has not been confirmed. Any continued assistance provided by insurers is not to be deemed as waiving the position on insurance coverage.
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