Misrepresentation in consumer insurance: the United Kingdom legislature opts for a ‘reasonable consumer’ standard’
| dc.contributor.author | Hutchison, Andrew | |
| dc.contributor.author | Stoop, Helena | |
| dc.coverage.spatial | 705-721 | en_ZA |
| dc.date.accessioned | 2016-08-23T13:47:13Z | |
| dc.date.available | 2016-08-23T13:47:13Z | |
| dc.date.issued | 2013-12-01 | |
| dc.description.abstract | In 2012 the UK Legislature passed a new consumer insurance Act, which deals with certain areas of insurance law which have traditionally proved troubling for consumers. This note aims to draw South African attention to the provisions of this statute, and discusses in particular: (i) the treatment of misrepresentations made by consumers in disclosure forms; as well as (ii) its provisions on the issue of constructive knowledge of insurance companies of information disclosed by consumers to insurance intermediaries. There is a detailed case history on both these issues in both the UK and in South Africa, which is used to contextualise the debate. In particular, the materiality standard of the risk awareness of a ‘reasonable consumer’ has been chosen by the UK Act, which is more permissive than South Africa’s ‘reasonable person’ standard. | en_ZA |
| dc.identifier.apacitation | Hutchison, A., & Stoop, H. (2013). Misrepresentation in consumer insurance: the United Kingdom legislature opts for a ‘reasonable consumer’ standard’. <i>South African Law Journal</i>, http://hdl.handle.net/11427/21467 | en_ZA |
| dc.identifier.chicagocitation | Hutchison, Andrew, and Helena Stoop "Misrepresentation in consumer insurance: the United Kingdom legislature opts for a ‘reasonable consumer’ standard’." <i>South African Law Journal</i> (2013) http://hdl.handle.net/11427/21467 | en_ZA |
| dc.identifier.citation | Andrew Hutchison & Helena Stoop ‘Misrepresentation in consumer insurance: the United Kingdom legislature opts for a "reasonable consumer" standard’ (2013) 130 SALJ 705. | en_ZA |
| dc.identifier.issn | 0258-2503 | |
| dc.identifier.ris | TY - Journal Article AU - Hutchison, Andrew AU - Stoop, Helena AB - In 2012 the UK Legislature passed a new consumer insurance Act, which deals with certain areas of insurance law which have traditionally proved troubling for consumers. This note aims to draw South African attention to the provisions of this statute, and discusses in particular: (i) the treatment of misrepresentations made by consumers in disclosure forms; as well as (ii) its provisions on the issue of constructive knowledge of insurance companies of information disclosed by consumers to insurance intermediaries. There is a detailed case history on both these issues in both the UK and in South Africa, which is used to contextualise the debate. In particular, the materiality standard of the risk awareness of a ‘reasonable consumer’ has been chosen by the UK Act, which is more permissive than South Africa’s ‘reasonable person’ standard. DA - 2013-12-01 DB - OpenUCT DP - University of Cape Town J1 - South African Law Journal KW - Contract KW - Insurance KW - Misrepresentation KW - Constructive Knowledge KW - Consumer LK - https://open.uct.ac.za PB - University of Cape Town PY - 2013 SM - 0258-2503 T1 - Misrepresentation in consumer insurance: the United Kingdom legislature opts for a ‘reasonable consumer’ standard’ TI - Misrepresentation in consumer insurance: the United Kingdom legislature opts for a ‘reasonable consumer’ standard’ UR - http://hdl.handle.net/11427/21467 ER - | en_ZA |
| dc.identifier.uri | http://hdl.handle.net/11427/21467 | |
| dc.identifier.vancouvercitation | Hutchison A, Stoop H. Misrepresentation in consumer insurance: the United Kingdom legislature opts for a ‘reasonable consumer’ standard’. South African Law Journal. 2013; http://hdl.handle.net/11427/21467. | en_ZA |
| dc.language | eng | en_ZA |
| dc.publisher | Juta | en_ZA |
| dc.publisher.department | Department of Commercial Law | en_ZA |
| dc.publisher.faculty | Faculty of Law | en_ZA |
| dc.publisher.institution | University of Cape Town | |
| dc.source | South African Law Journal | en_ZA |
| dc.source.uri | http://juta.co.za/law/products/3601-south-african-law-journal | |
| dc.subject | Contract | |
| dc.subject | Insurance | |
| dc.subject | Misrepresentation | |
| dc.subject | Constructive Knowledge | |
| dc.subject | Consumer | |
| dc.title | Misrepresentation in consumer insurance: the United Kingdom legislature opts for a ‘reasonable consumer’ standard’ | en_ZA |
| dc.type | Journal Article | en_ZA |
| uct.type.filetype | Text | |
| uct.type.filetype | Image | |
| uct.type.publication | Research | en_ZA |
| uct.type.resource | Article | en_ZA |