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Insurance Law and the Financial Ombudsman Service

Insurance Law and the Financial Ombudsman Service

Author: Judith Summer
Publisher: Informa Publishing
ISBN: 9781843119029
Published In: October 2010
Format: Hardback
Jurisdiction: U.K. ? Disclaimer:
Countri(es) stated herein are used as reference only

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Contents

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Insurance Law and the Financial Ombudsman Service sets out the rules, procedure and approach of the Ombudsman Service, succinctly summarises the relevant insurance law and compares and analyses it against a comprehensive review of material about insurance complaints gathered since the formation of the Ombudsman Service in 2000.

The Ombudsman Service has jurisdiction over complaints from consumers and small businesses, and can make enforceable awards up to £100,000 against insurers and insurance intermediaries. Most areas of insurance law are explored.

Why should you buy Insurance Law and the Financial Ombudsman Service?
- Ombudsmen do not have to follow the law. This is the only book available which analyses how they apply their discretion in insurance cases
- It also provides a summary of and comparison to the relevant insurance law
- The information has been accumulated and categorised by an insurance lawyer specifically for lawyers and claims handlers handling insurance disputes
Contents:
Chapter 1: BACKGROUND
Chapter 2: THE WORKINGS OF THE FOS
Chapter 3: AWARDS AND INTEREST
Chapter 4: THE FOS APPROACH TO EVIDENCE
Chapter 5: POLICY CONSTRUCTION: LAW VERSUS FOS
Chapter 6: TRAVEL INSURANCE
Chapter 7: LIFE AND PERSONAL ACCIDENT
Chapter 8: HOUSEHOLD INSURANCE
Chapter 9: EXCLUSION FOR KEYS LEFT IN VEHICLE/ UNATTENDED VEHICLE
Chapter 10: MEASUREMENT OF LOSS, ABANDONMENT AND SALVAGE
Chapter 11: PREMIUMS
Chapter 12: FRAUD/ PROOF OF LOSS
Chapter 13: NON-DISCLOSURE AND MISREPRESENTATION
Chapter 14: BREACH OF WARRANTY AND OTHER CONDITIONS
Chapter 15: LEGAL EXPENSES INSURANCE
APPENDICES
A. Ombudsman News: insurance case studies
B. FOS statistics and complaint trends 2005-2010
C. ICOBS (relevant extracts)
D. DISP as updated (relevant extracts)
E. Financial Services and Markets Act 2000 (relevant extracts)
F. Unfair Terms in Consumer Contracts Regulations 1999
G. Marine Insurance Act 1906 (relevant extracts)
H. Law Commissions' draft Consumer Insurance (Disclosure and Representation) Bill 15/12/09.