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INSURANCE CONTRACTS ACT 1984

Table of Provisions

  • 1 Short title  
  • 2 Commencement  
  • 3 Repeals  
  • 4 Previous contracts  
  • 5 Crown to be bound  
  • 6 Extension to external Territories  
  • 7 Effect of Act on other laws  
  • 8 Application of Act  
  • 9 Exceptions to application of Act  
  • 10 Contracts of insurance  
  • 11 Interpretation  
  • 12 This Part not to be read down  
  • 13 The duty of the utmost good faith  
  • 14 Parties not to rely on provisions except in the utmost good faith  
  • 15 Certain other laws not to apply  
  • 16 Insurable interest not required  
  • 17 Legal or equitable interest not required at time of loss  
  • 18 Insurable interest required  
  • 19 Insurable interests  
  • 20 Persons benefited need not be named  
  • 21 The insured's duty of disclosure  
  • 22 Insurer to inform of duty of disclosure  
  • 23 Ambiguous questions  
  • 24 Warranties of existing facts to be representations  
  • 25 Misrepresentation by life insured  
  • 26 Certain statements not misrepresentations  
  • 27 Failure to answer questions  
  • 28 General insurance  
  • 29 Life insurance  
  • 30 Misstatements of age  
  • 31 Court may disregard avoidance in certain circumstances  
  • 32 Non-disclosure or misrepresentation by member of scheme  
  • 33 No other remedies  
  • 34 Interpretation  
  • 35 Notification of certain provisions  
  • 36 Interpretation of regulations  
  • 37 Notification of unusual terms  
  • 38 Interim contracts of insurance  
  • 39 Instalment contracts of general insurance  
  • 40 Certain contracts of liability insurance  
  • 41 Liability insurance: insured may require insurer to elect  
  • 42 Maximum cover for premium  
  • 43 Arbitration provisions  
  • 44 Average provisions  
  • 45. ''Other insurance'' provisions  
  • 46 Pre-existing defect or imperfection  
  • 47 Pre-existing sickness or disability  
  • 48 Entitlement of named persons to claim  
  • 49 Where sum insured exceeds value of insured's interest  
  • 50 Sale of insured property  
  • 51 Right of third party to recover against insurer  
  • 52. ''Contracting out'' prohibited  
  • 53 Variation of contracts of insurance  
  • 54 Insurer may not refuse to pay claims in certain circumstances  
  • 55 No other remedies  
  • 56 Fraudulent claims  
  • 57 Interest on claims  
  • 58 Insurer to notify of expiration of contracts of general insurance  
  • 59 Cancellation procedure  
  • 60 Cancellation of contracts of general insurance  
  • 61 Insurers in liquidation  
  • 62 Cancellation of instalment contracts of general insurance  
  • 63 Cancellations void  
  • 64. ''Free-look'' period: life insurance  
  • 65 Subrogation to rights against family, &c.  
  • 66 Subrogation to rights against employees  
  • 67 Rights with respect to moneys recovered under subrogation  
  • 68 Contracts affecting rights of subrogation  
  • 69 Giving of information to insureds  
  • 70 Notices to be given to life insureds in certain cases  
  • 71 Agency  
  • 72 Legibility of writing  
  • 73 Insurance arranged in connection with supply of goods and services  
  • 74 Policy documents to be supplied on request  
  • 75 Reasons for cancellation, &c., to be given  
  • 76 Contribution between insurers  
  • 77 Giving notices  
  • 78 Regulations  

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