Liability Insurance

 6.1 There has been greater statutory intervention in the field of liability insurance than in any other area of substantive insurance law. A number of statutes require compulsory insurance to be in place as a condition of carrying on a particular form of activity. The relevant statutes are: a

Riding Establishments Act 1964 (insurance against liability for personal injuries arising out of the use or hire of a horse);

b

Nuclear Installations Act 1965 (insurance to be held by operators of nuclear establishments against the consequences of nuclear accidents);

c

Employers’ Liability (Compulsory Insurance) Act 1969 (insurance against liability for personal injury to employees employed in Great Britain);

d

Solicitors Act 1974 (insurance against professional negligence);

e

Credit Unions Act 1979 (insurance against loss or liability caused or incurred by reason of fraud or dishonesty of employees);

f

Estate Agents Act 1979 (insurance against liability for mishandling client money);

g

Road Traffic Act 1988 (insurance against liability for use or permitting use of a motor vehicle, in respect of personal injury or property damage);

h

Osteopaths Act 1993 (insurance against professional negligence);

i

Merchant Shipping Act 1995 (insurance by owners of oil tankers and other vessels against liability for oil pollution, including liability for bunker oil);

j

Merchant Shipping and Maritime Security Act 1997 (insurance against liability for ships in UK waters, other than oil pollution liability).