Insurance Act 2015

Ellipse’s philosophy and practice and what that means for employers.

The Insurance Act 2015 came into effect on 12 August 2016, which means any new policy which started on or after that date will be subject to the Act, along with any rate review or change to an existing policy effective on or after that date.

It is a major change in insurance law. In fact it is one of the most significant changes to insurance law for over 100 years, and it will affect all non-consumer insurance contracts, including the products Ellipse offers. Its purpose is to bring the law in line with best practice in the insurance market and therefore crucially it reflects all of the things that Ellipse are already doing.

There were three main changes introduced by the Act.

  • Duty of fair presentation
  • New remedies for the non-disclosure of material facts
  • Fraudulent claims


The two sections below include detailed guides for advisers and employers respectively, which explain what has changed and how this will impact policies offered by Ellipse.

For Advisers.

This guide is for advisers and explains Ellipse’s philosophy and practice and what it means for your clients.

For Employers.

This guide explains what the Act means for employers, and how it affects our terms and conditions.