The UK Law Commission has produced a revised draft clause 11 of the UK Insurance Bill. Under the proposed revised clause, an insurance claim cannot be denied where the insured can show that breach of a term (on foot of which the denial of claim is founded) was not relevant to the loss that actually occurred. The clause is not intended to apply to terms defining the risk itself (e.g. a term defining the geographical limits of a policy). The Law Commission hopes that the revised draft will be agreed in time for inclusion in the Insurance Bill which is currently before the House of Lords.