The Insurance Act finally comes into force on 12 August 2016, introducing the most significant reform to insurance law in more than 100 years. One of its principal aims is to redress some of the perceived imbalances in the existing law between insurers and insureds. The Act applies to all insurance policies taken out by businesses which are subject to the law of England and Wales and which are issued after 12 August 2016. It will be more difficult for insurers to rely on breaches to decline paying claims.

A freedom of information request made by the Association of Personal Injury Lawyers (APIL) has shown that Government's compensation recovery unit recorded 335,365 claims using the term "whiplash" during 2015/16 which represents a fall of 11% on the previous year's figures. A spokesman from the Ministry of Justice was unable to say when the consultation on potential reforms to the personal injury regime would be published.