Key legislation

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We care about helping our clients understand drivers of change.

New legislation that seeks to streamline the industry can raise sensitive issues, challenge convention and, if enacted, disrupt existing legal business models. Private actors within the industry have a unique opportunity to contribute to the development of policy – engaging and influencing at senior levels within government.

In the UK and following the snap General Election and subsequent Queens Speech in June 2017, the legislative programme for the UK is now unfolding. Brexit will continue to frame domestic law making and continues to represent a significant geopolitical risk. Ultimately, the outcome of any review of UK legislation will depend on the nature of any future relationship between the UK and the EU.

Follow key dates through our political timeline

Maintaining a political energy for anything other than Brexit may not be easy. Nevertheless, the UK government appears determined to find the time to progress other policy aims through parliament. That includes ongoing measures to bring about greater fairness and cost efficiencies in dispute resolution, as well as to support the desire to place the UK at the forefront of innovation. Both areas will be important in helping to support the message that the UK is open for business after Brexit.”

Deborah Newberry, Head of Corporate and Public Affairs

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Current legislation

We will continue to add guides to those bills that stand out for the insurance sector as they are published. 

The Bill aims to reform the claims process for whiplash claims and to make changes to the way in which the personal injury discount rate is set. The Bill replaces what was the Prisons and Courts Bill, which made provision about whiplash claims and which fell with the snap General Election in 2016.  The first reading took place on 20 March 2018.

Download Civil Liability Bill Briefing (PDF, 149 KB)

The Bill aims to amend the Reinsurance (Acts of Terrorism) Act of 1993 to enable an extension of cover provided by the government-backed terrorism reinsurer Pool Re to include non-damage business interruption losses resulting from acts of terrorism. It also makes provision regarding national security. The first reading took place in the House of Commons on 6 June 2018.

Download Counter-Terrorism and Border Security Bill briefing (PDF, 87 KB)

The Bill sets out proposals for a new formula in setting the discount rate in personal injury cases in Scotland to reflect similar changes being made in England and Wales. It also seeks to give courts the power to impose periodical payment orders (PPOs) for future loss. The Bill was introduced to Scottish Parliament on 14 June 2018.

Damages (Investment Returns and Periodical Payments) Scotland Bill briefing (PDF, 144 KB)

The Bill is intended to ensure the UK remains at the forefront of the global drones market whilst also protecting our safety and security. Its aims are to regulate the purchase and use of drones. As drone technology is still relatively new, the law around their use is constantly evolving, as evidenced by the recent Air Navigation (Amendment) Order 2018.

Download Drone (Regulation) Bill briefing (PDF, 124 KB)

Automated and Electric Vehicles Act 2018

The Automated and Electric Vehicles Bill received Royal Assent on 19 July 2018. The Bill was introduced as part of the government’s industrial strategy to promote the development and deployment of both automated and electric vehicles, in line with policies on climate change. The legislation extends existing compulsory third party insurance framework to cover the use of automated vehicles.

Download Automated and Electric Vehicles Bill guide (PDF, 76 KB)

Download driverless vehicles report (PDF, 2.13 MB)

Download driverless vehicles summary report (PDF, 350 KB)

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Brexit - EU Referendum Act 2015

Consumer Rights Act 2015

The Consumer Rights Act 2015 was designed to simplify, strengthen and modernise UK consumer law. The Act consolidates three pieces of UK legislation, replacing the Sale of Goods Act, Unfair Terms in Consumer Contracts Regulations and the Supply of Goods and Services Act.

The Act came into force on 26 March 2015.

Download Consumer Rights Act 2015 guide (PDF, 0.15MB)

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Data Protection Act 2018 and GDPR

The Data Protection Bill received Royal Assent on 23 May 2018. The Act (which replaces the Data Protection Act 1998) modernises data protection laws and mirrors a number of existing international standards - specifically the EU General Data Protection Regulation (GDPR) which came into force on 25 May 2018. The intention behind the Act was to ensure that the UK’s data regime is equivalent to existing European and international data regimes post-Brexit. The Act also deals with aspects of data processing that do not fall within EU law as well as the functions, duties and powers of the Information Commissioner’s Office.

Visit our GDPR focus area.

Enterprise Act 2016

The Enterprise Act aims to support small and medium sized businesses and is the latest piece of legislation with a business regulation focus. The Government recognises that SMEs are pivotal for economic growth in the UK and that small businesses are often disadvantaged when involved in disputes with larger firms. The Act received Royal Assent on 4 May 2016.

Download Enterprise Act 2016 guide (PDF, 0.15MB)

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EU (Withdrawal) Act 2018

The European Union (Withdrawal) Act is the flagship piece of Brexit legislation aimed at transposing the EU acquis onto the UK statute book. It repeals the 1972 European Communities Act, which took Britain into the EU, and meant that European law took precedence over laws passed in the UK parliament. It will also end the jurisdiction of the European Court of Justice. The Bill received Royal Assent on 26 June 2018.

Visit our Brexit focus area.

Download European Union (Withdrawal) Bill guide (PDF, 102 KB)

Insurance Act 2015

The Insurance Act 2015 received Royal Assent in February 2015 and came into force on 12 August 2016. It will apply to all policies that renew, incept or are varied after that date and will represent the greatest change to insurance contract law in England and Wales in over 100 years. It will amend certain key sections of the Marine Insurance Act 1906.

Download Insurance Act 2015 guide (PDF, 0.27MB)

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Investigatory Powers Act 2016

Riot Compensation Act 2016

Third Parties (Rights Against Insurers) Act 2010

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As the political negotiations between the UK and EU unfold, Kennedys is here to keep you up to date on the latest Brexit developments and what they mean for you and your business.

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