Insurance Law
Question
Where an insurer had unreasonably refused to pay a claim or paid it only after an unreasonable delay, the law in England and Wales previously did not provide a remedy to the insured. However, the law has now changed.
Discuss why the law did not previously provide the insured with a remedy and why the law needed to be reformed. Critically assess whether the current law is satisfactory.
Your answer should focus on non-consumer insurance policies.
The Executive Summary
Your essay should start with an Executive Summary of your argument. An Executive Summary is a concise document with a word count of 600 words, and that word count is separate to the word count of the essay. It should summarise your argument made in the main essay.
It could be read separately from the main document and should make perfect sense to the reader, as in practice decisions are sometimes made on the basis of executive summaries.
Your Executive Summary should:
• Contain brief analysis of the question / issue within the question
• Summarise the main argument
• Follow the structure of the essay
• Provide brief justifications for the arguments made
• Only include materials used for the main essay
• Contain a clear conclusion
Guidance Notes:
Where an insurer had unreasonably refused to pay a claim or paid it only after an unreasonable delay, the law in England and Wales previously did not provide a remedy to the insured. However, the law has now changed.
