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A new Insurance Act will come into force on 12 August 2016, replacing some of the provisions of the Marine Insurance Act of 1906.
It provides a more up-to-date framework for commercial insurance in the UK and will apply to all commercial policies taken out, renewed or amended from 12 August.
The Act focuses on fairness, transparency and certainty over the rules that govern contracts between commercial policyholders and insurers. Currently you’re required to tell your insurer all the ‘material facts or circumstances’ they need to know about you and your business. The new Act still requires you to do this but now insurers must also seek clarification on anything you’ve told them which may be important to them where that information is unclear. The intention is to ensure all parties work more closely together to make sure that relevant and accurate information is gathered and given to insurers, and that consequently your policy works as you would expect it to if you have a claim.
Take a look at our handy customer guide to the Insurance Act for further information.
At Aviva, we know how hard it can be facing the constant challenge of running a business - balancing short-term and long-term priorities, ever-increasing red-tape, looking after staff, managing cash-flow, mastering the finances (VAT/tax) and the mysteries of information technology. A business owner has got to be on top of all aspects of their operation all of the time.
We've created a 'one-stop' website to help overcome the burden of red-tape, the access to Aviva business policy holders is free. Giving advice and information ranging from Finance, Sales and Marketing, Employment Law, Legal advice and Risk Management - available 24 hours a day, 365 days a year.
Aviva offers a free service specially designed for the busy world of conveyancing called L.I.ON - that's Legal Indemnities Online. Aviva is the largest provider of legal indemnity insurance in the country as well as being the UK's leading insurer.
A wide range of our policies - covering residential and commercial deals - are available online. And even if your case is particularly complex, or you can't find what you are looking for, L.I.ON is supported by a dedicated team of experienced underwriters.
You can get quotes and arrange legal indemnity insurance instantly. And not only will you save yourself time; you could save your clients money.
For more information visit L.I.O.N today or call 0800 1582235 and see how simple and easy Aviva can make Legal Indemnities - www.aviva.co.uk/lion
Please note - The site won't provide Professional Indemnity quotes - all Professional Indemnity enquiries should be directed to your broker.