The 2015 Insurance Act will apply to insurance con- tracts, and variations to insurance contracts, made on or after 12 August 2016 and which are subject to the law of England, Wales, Scotland or Northern Ireland.

The Act makes a number of significant changes to the law, in particular in relation to disclosure, remedies for non-disclosure and ‘basis of the contract’ clauses.

See: http://www.lmalloyds.com/Act2015