On 11 June 2015, the Lloyd's Market Association and the International Underwriting Association jointly published a practical guide to assist their members in understanding the nature, practical implications and challenges of the core changes which will be affected by the Insurance Act 2015 in the UK.  In particular, the guide focuses on the duty of fair presentation (the 2015 Act equivalent of the policyholder's duty of disclosure to the insurer and utmost good faith).