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Insurance law (excluding Marine insurance law)


This course in Insurance Law (excluding Marine Insurance Law) introduces you to the essential features and principles of English insurance law and insurance contracts. Insurance is a remarkable sector; globally payments for insurance premiums amount to over 4 trillion dollars each year, which is 7% of the world gross domestic product. This course explores what insurance law is, how it works and its purpose.

Module A: Elements of insurance


  • The insurance contract
  • Insurance regulation in the United Kingdom
  • Insurance intermediaries

Module B: Insurance contract formation


  • Non-disclosure and misrepresentation; remedies for breach
  • Formation of the contract including: offer, acceptance, premiums

Module C: The insurance contract and its terms


  • Insurable interest in property insurance and life assurance
  • Terms of the contract
  • Construing the insurance contract

Module D: Claims process


  • Causation: determining the cause of the loss; losses caused by the insured
  • Claims: the claims process, the requirement of good faith
  • Subrogation: the insurer's, the insured's and the other parties' rights
  • Abandonment
  • Double insurance and contribution between insurers
  • Indemnity and reinstatement, mitigation of loss, reinstatement under contract and under statute
  • Alternative dispute resolution mechanisms: the ombudsman


Each module is assessed by a 45-minute unseen written exam.


It is strongly recommended you take Module A first, and Module D last.

How to apply

You can apply to study a module individually as a standalone unit or as part of a Postgraduate Certificate, Postgraduate Diploma or Master of Laws qualification. (In either scenario, they must be studied in order.)

These modules also contribute towards the following specialist pathways for Laws:

  • Commercial and Corporate Law
  • Common Law
  • Financial Services Law
  • Insurance Law
  • International Business Law

Apply via Postgraduate Laws.

Academic Co-ordinator

Professor Philip John Rawlings

Professor Philip Rawlings

Professor Philip Rawlings is the Roy Goode Professor of Commercial Law, Deputy Head of the Centre for Commercial Law Studies (CCLS), QMUL, and Director of the Insurance Law Institute at CCLS. He is a member of the committee of the British Insurance Law Association. His teaching is principally in insurance law.

He researches the law of insurance, banking and sales, as well as legal history and criminal justice. Among current research projects are continuing work on the history of insurance regulation in the UK (an article on the eighteenth century is published in the Oxford Journal of Legal Studies), and a paper on insurance as an instrument of social policy (with Dr Joanna Wilson of Sussex University), along with continuing responsibility for the first three chapters of Benjamin's Sale of Goods (supplement 2016, new edition to be published 2017).

Professor John Lowry

Professor John Lowry

Professor John Lowry is the Course Convenor for Corporate finance and management issues in company law and Foundational and constitutional issues in company law.

John joined the UCL Faculty of Laws in 2004 having moved from the Centre for Commercial Law Studies at Queen Mary University, London. He has taught law in Hong Kong, the USA (New Jersey) and practised in Canada specialising in corporate litigation. He has written widely in domestic and international journals on directors’ fiduciary obligations, shareholder remedies and insurance law. He is the Company Law section editor for the Journal of Business Law and the Case Review editor for International Corporate Rescue. He is also an editor of The Company Lawyer and has been a contributing editor to Gore-Browne on Companies. During 2000-2002 he was an Associate Senior Research Fellow at the Institute of Advanced Legal Studies. In 2001 he was a Visiting Fellow at the University of Connecticut, Centre for Insurance Law Research and is an Honorary Fellow at Monash University. In 2016 John was appointed the Cheng Yu Tung Visiting Professor at the University of Hong Kong.