Trusted by professionals for over 100 years, this acclaimed resource sets the standard in non-marine commercial insurance law. With expert commentary on the latest legal developments and a reputation for clarity and authority, it's an indispensable tool for staying ahead in a complex and evolving field.

It explains foundational aspects of UK insurance law—such as the principles of misrepresentation and utmost good faith—and provides an in-depth look at the concept of loss, including key issues like causation and notification requirements. The book also explores specific insurance sectors, with chapters covering third-party liability, the rights of third parties against insurers, coordination between multiple insurers, and the legal treatment of double insurance.

Since the last edition there have been the usual steady stream of reported cases and regulatory developments. Notable examples are cases arising as a consequence of the COVID-19 lockdown dealing with, among other things, important questions of construction and causation, decisions on insurable interest, the application of s.11 of the Insurance Act 2015, illegality, good faith and exclusion of the 2015 Act's provisions, the Third Parties (Rights against Insurers) Act 2010 and aggregation clauses in liability policies. We also consider the new "consumer duty" issued by the Financial Conduct Authority.

Specific discussion focusses on the following cases:

• Sky UK Ltd v Riverstone Managing Agency Ltd [2024] EWCA Civ 1567, concerning the recoverability of loss after the policy period, and the applicability of the "death blow" principle to non-marine policies.
• Scotland Gas Networks Plc v QBE UK Ltd 2025 S.C. 38 , judgment of the Inner House (Court of Session) addressing the operation of the Third Parties (Rights against Insurers) Act 2010.
• Aercap Ireland Ltd v AIG Europe S.A. & Ors [2025] EWHC 1430 (Comm), judgment in joint trial of claims under aviation lessor policies arising from foreign leased aircraft remaining in Russia following the Ukraine war.

For the ultimate guide to insurance contract law, look no further than Colinvaux’s Law of Insurance. Divided into three parts, the first section delves into the key principles of insurance contracts, covering terms and conditions, loss and recovery limits, causation, subrogation, and claim notifications.

The subsequent sections focus on the various parties involved and the distinctive features of special types of insurance contracts in the UK, such as liability policies. The commentary provides expert examination of rights and issues, supported by analysis of the most recent and significant case law.

Colinvaux’s Law of Insurance is updated annually to ensure you are always up to date. Key features include:

New to this edition: Recent editions have chronicled the legal consequences of various disasters, including mesothelioma claims following the establishment of tort liability in the Fairchild case in 2001, the Christchurch earthquakes in 2010-2011 and the COVID-19 pandemic beginning in March 2020. These matters have thrown up entirely new legal issues and have challenged what was thought to be orthodox learning on old ones. Key questions arising from them, and in particular the application of business interruption policies to COVID-19 losses, remain unresolved and feature heavily in the present edition. The Russian invasion of Ukraine on 24 February 2022 has highlighted a further range of questions which can be and has been answered only by resort to, and reinterpretation of, earlier authority.

The Consumer Insurance (Disclosure and Representations) Act 2012, the Third Parties (Rights against Insurers) Act 2010 and the Insurance Act 2015 have been in force for around a decade. After a slow start, cases are now beginning to come through on the proper interpretation of the legislation. This edition provides detailed commentary on these emerging decisions, highlighting how courts are now interpreting the legislation in practice.

For the ultimate guide to insurance contract law, look no further than Colinvaux’s Law of Insurance. Divided into three parts, the first section delves into the key principles of insurance contracts, covering terms and conditions, loss and recovery limits, causation, subrogation, and claim notifications.

The subsequent sections focus on the various parties involved and the distinctive features of special types of insurance contracts in the UK, such as liability policies. The commentary provides expert examination of rights and issues, supported by analysis of the most recent and significant case law.

Colinvaux’s Law of Insurance is updated annually to ensure you are always up to date. Key features include:

New to this edition: Recent editions have chronicled the legal consequences of various disasters, including mesothelioma claims following the establishment of tort liability in the Fairchild case in 2001, the Christchurch earthquakes in 2010-2011 and the COVID-19 pandemic beginning in March 2020. These matters have thrown up entirely new legal issues and have challenged what was thought to be orthodox learning on old ones. Key questions arising from them, and in particular the application of business interruption policies to COVID-19 losses, remain unresolved and feature heavily in the present edition. The Russian invasion of Ukraine on 24 February 2022 has highlighted a further range of questions which can be and has been answered only by resort to, and reinterpretation of, earlier authority.

The Consumer Insurance (Disclosure and Representations) Act 2012, the Third Parties (Rights against Insurers) Act 2010 and the Insurance Act 2015 have been in force for around a decade. After a slow start, cases are now beginning to come through on the proper interpretation of the legislation. This edition provides detailed commentary on these emerging decisions, highlighting how courts are now interpreting the legislation in practice.

For the ultimate guide to insurance contract law, look no further than Colinvaux’s Law of Insurance. Divided into three parts, the first section delves into the key principles of insurance contracts, covering terms and conditions, loss and recovery limits, causation, subrogation, and claim notifications.

The subsequent sections focus on the various parties involved and the distinctive features of special types of insurance contracts in the UK, such as liability policies. The commentary provides expert examination of rights and issues, supported by analysis of the most recent and significant case law.

Colinvaux’s Law of Insurance is updated annually to ensure you are always up to date. Key features include:

New to this edition: Recent editions have chronicled the legal consequences of various disasters, including mesothelioma claims following the establishment of tort liability in the Fairchild case in 2001, the Christchurch earthquakes in 2010-2011 and the COVID-19 pandemic beginning in March 2020. These matters have thrown up entirely new legal issues and have challenged what was thought to be orthodox learning on old ones. Key questions arising from them, and in particular the application of business interruption policies to COVID-19 losses, remain unresolved and feature heavily in the present edition. The Russian invasion of Ukraine on 24 February 2022 has highlighted a further range of questions which can be and has been answered only by resort to, and reinterpretation of, earlier authority.

The Consumer Insurance (Disclosure and Representations) Act 2012, the Third Parties (Rights against Insurers) Act 2010 and the Insurance Act 2015 have been in force for around a decade. After a slow start, cases are now beginning to come through on the proper interpretation of the legislation. This edition provides detailed commentary on these emerging decisions, highlighting how courts are now interpreting the legislation in practice.

Colinvaux’s Law of Insurance in Hong Kong, Fourth Edition is the definitive reference manual on insurance law and practice in Hong Kong. Modelled on the UK edition, which is now in its 12th edition, and authored by Robert Merkin QC, the text has been adapted specifically for the Hong Kong insurance market.

• Provides a detailed examination of the key principles, rights, and issues of insurance contract law
• Covers three distinct areas: the contract, the parties involved, and special types of insurance
• Extensive commentary on the construction of policies explaining issues such as risk, utmost good faith, insurance interest, the premium, claims, and loss
• Addresses the roles of the different parties involved, including intermediaries and the regulatory structure of the industry.

Highlights include

Chapter 14 covers the new regime for the regulation of insurance intermediaries.

Chapter 20 discuss at length the application of business interruption policies to businesses affected by the closure of their premises due to the pandemic.

Key cases:

Financial Conduct Authority v Arch Insurance (UK) Ltd [2020] EWHC 2448 (Comm) - test case on principles of policy coverage in respect of claims by policyholders to be indemnified for business interruption losses arising in the context of COVID-19
PC Case Gear Pty Ltd v Instrat Insurance Brokers Pty Ltd [2020] FCA 137 - discusses broker''s policy on liability
Pakeezah Meat Supplies Ltd v Total Insurance Solutions Ltd [2019] Lloyd’s Rep IR 137 - discusses broker''s disclosure obligations towards the assured
ABN Amro Bank NV v Royal & Sun Alliance plc [2021] EWHC 442 (Comm) - discusses the Interpretation of insurance contracts, an insured''s duty of disclosure/good faith and the requirement for reasonable conduct, and brokers'' duties to their clients