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UK Statutory Instruments

Version as made

2013 No. 450 (C. 18)

  • Version as made

Introductory Text

Statutory Instruments

2013 No. 450 (C. 18)


The Consumer Insurance (Disclosure and Representations) Act 2012 (Commencement) Order 2013


27th February 2013

The Treasury, in exercise of the power conferred by section 12(2) of the Consumer Insurance (Disclosure and Representations) Act 2012(1), make the following Order:


1.  This Order may be cited as the Consumer Insurance (Disclosure and Representations) Act 2012 (Commencement) Order 2013.

Commencement of provisions

2.  Sections 2 to 11 of, and Schedules 1 and 2 to, the Consumer Insurance (Disclosure and Representations) Act 2012 come into force on 6th April 2013. Stephen CrabbRobert GoodwillTwo of the Lords Commissioners of Her Majesty’s Treasury27th February 2013

EXPLANATORY NOTE(This note is not part of the Order) This Order brings into force on 6th April 2013 those provisions of the Consumer Insurance (Disclosure and Representations) Act 2012 (“the Act”) which are not already in force by virtue of section 12 of the Act. For consumers the Act replaces the duty to volunteer information material to the insurer’s decision, as set out in the Marine Insurance Act 1906, with a duty on consumers to take reasonable care not to make a misrepresentation during pre-contractual negotiations. It also provides for the consequences of a misrepresentation. Further, it provides specific rules in relation to misrepresentations in group insurance and insurance taken out by a consumer on the life of an individual who is not party to the contract, and sets out a framework for determining the status of agents through whom consumer contracts are effected. (1) 2012 c.6 ; section 12(3) of the Act provides that a commencement order made under section12(2) may not appoint a day sooner than the end of the period of 1 year beginning with the day on which the Act is passed. The Act was passed on 8th March 2012.