Insurance Law: Doctrines and Principles

The 4th edition of this leading introductory text - now under the sole authorship of Rob Merkin KC - provides a detailed examination of the developing law of insurance, combining exposition of the law with critical analysis. The book is designed primarily for undergraduate and postgraduate students, but is also a useful resource for those in the insurance industry studying for professional examinations and legal practitioners who need a concise guide to the legal principles. The text is enhanced by extensive citations to case law and academic commentaries; and a new companion website delivers annual case law updates.

This new edition has been substantially rewritten in light of the transformation of insurance law in recent years. The text has been revised to include new legislation and coverage of the effects of Brexit. However, the approach and - where possible - the analysis of John Lowry and Philip Rawlings have been retained.

The first part of the book considers the regulation of insurance business and the general principles underlying the law of insurance contracts. The second part examines the way those principles are shaped by the context in which they operate. A new chapter with case studies on COVID-19, earthquakes, and mesothelioma applies the principles to the problems and uncertainties for insurance law revealed by catastrophic losses. This authoritative text offers a sound grasp of the current realities of insurance practice.

1. The Insurance Contract
2. Regulation of Insurance Business
3. Insurance Intermediaries
4. The Duty to Make a Fair Presentation
5. Formation of the Insurance Contract
6. Insurable Interest
7. Third Party Rights
8. Terms of the Insurance Contract
9. Construing the Terms of the Insurance Contract
10. Causation
11. Claims Procedure
12. Measurement of Loss and Reinstatement
13. Subrogation and Contribution
14. Motor Insurance
15. Liability Insurance
16. Specific Insurances
17. Marine Insurance
18. Reinsurance
19. Case Studies