​The Insurance Act 2015 (the ‘Act’) will introduce the most significant changes to UK insurance contract laws in over 100 years. The Act comes into force on 12 August 2016 and will apply to all insurance policies in England and Wales, Scotland and Northern Ireland which incept, renew or are varied from that date.


One of the key aims of the Act is to ensure better exchange of information between insurers, brokers and customers, which should reduce the number of disputes, avoid disruption for both insurers and customers and increase confidence in the UK insurance sector. This guide provides our non-life commercial customers and brokers with an overview of Zurich’s approach to the Act. The content of this guide does not constitute legal advice nor is it designed to be a summary of the Act; it focuses on the changes we have made to our policies and business practices, including the way we handle claims.


Zurich's Approach to the Insurance Act