Following two prior consultations during 2014, the English and Scottish Law Commissions recently published a full draft of the Insurance Contracts Bill (and explanatory notes) for further public consultation.  While the Law Commissions view most of the draft Bill as settled, there are two clauses upon which comments are now sought.  These are clauses 11 and 14 relating to (a) terms relevant to particular descriptions of loss and (b) implied terms regarding payment, respectively. Comments are invited until 2 July 2014.