Reform at last?

In the first of two articles reviewing proposals to reform insurance law, Peter Tyldesley is optimistic about the momentum for change. - The government has taken the first steps towards the implementation of the Law Commissions’ 2009 proposals for consumer insurance law reform. - The proposals deal with non-disclosure, misrepresentation and basis of the contract clauses and the new law could be brought into force as early as 2013. - Reform has been long awaited and the current patchwork of unsatisfactory law, codes, rules and ombudsman guidance has proven to be an inadequate substitute.