Insurance Act 2015 training

Six microlessons on the Insurance Act 2015: the duty of fair presentation, proportionate remedies, warranties, fraudulent claims and the duty to pay claims within a reasonable time, with situational tests and a certificate of completion.

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The Insurance Act 2015 (UK) course preview
6Short, TikTok-style microlessonsIn the browser or the iOS and Android apps

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  • 2Assessments
  • 6Microlessons
  • IncludedCertificate of completion
About this course

What the Insurance Act 2015 course covers

The Insurance Act 2015 is the biggest reform of UK commercial insurance law in over a century. This course explains it in six microlessons: why the Act exists and which contracts it covers, the duty of fair presentation and the knowledge rules, the proportionate remedies for a breach, the reformed law on warranties and other terms, fraudulent claims and contracting out, and the duty to pay claims within a reasonable time added by the Enterprise Act 2016. Learners see how the Act shapes placement, renewal and claims.

Learning outcomes

What your people will be able to do

  • Explain the Act's scope and whether a contract is a consumer or non-consumer contract
  • Apply the duty of fair presentation, including material circumstances and reasonable search
  • Assess qualifying breaches and calculate Schedule 1 proportionate remedies
  • Apply the warranty rules, including suspension of cover and relevance to the actual loss
  • Set out insurer and insured rights when a claim is fraudulent
  • Interpret the section 13A implied term on paying claims within a reasonable time
Course contents

6 microlessons

Each microlesson is a short, TikTok-style video lesson, with knowledge checks along the way.

1Why the Insurance Act 2015 Exists
2The Duty of Fair Presentation
3Proportionate Remedies for Breach
4Warranties and Other Terms
5Fraudulent Claims and Contracting Out
6Late Payment of Claims: the Enterprise Act 2016

  1. Why the Insurance Act 2015 Exists: Why the Act was needed and which contracts it covers.
  2. The Duty of Fair Presentation: Fair presentation, knowledge and reasonable search.
  3. Proportionate Remedies for Breach: Qualifying breaches and the Schedule 1 remedies.
  4. Warranties and Other Terms: Basis clauses, warranty breaches and relevance to loss.
  5. Fraudulent Claims and Contracting Out: Section 12 remedies and the transparency rules.
  6. Late Payment of Claims: the Enterprise Act 2016: The section 13A duty to pay within a reasonable time.
A 5Mins certificate of completion for The Insurance Act 2015 (UK), lying on a desk next to a laptop
Certificate

A certificate for every learner who completes it

Learners finish every microlesson and complete the assessments. 5Mins then issues a certificate of completion for The Insurance Act 2015 (UK).

  • Certificates and e-signatures stored against each learner
  • Audit-ready records, ready whenever an auditor asks
  • Completion shows on the Compliance Dashboard in real time
Audience and regulation

Who it's for and the law it covers

Who it's for

  • Commercial insurance brokers and account handlers
  • Underwriters and placing teams
  • Claims handlers at insurers and MGAs
  • Risk managers and insurance buyers at businesses

Laws covered

  • Insurance Act 2015. In force since 12 August 2016 for non-consumer insurance contracts. It replaces the duty of disclosure with the duty of fair presentation, introduces proportionate remedies, reforms warranties (sections 9 to 11) and sets remedies for fraudulent claims (section 12).
  • Enterprise Act 2016. Added section 13A, an implied term that insurers pay sums due within a reasonable time, for contracts entered into on or after 4 May 2017.
  • Consumer Insurance (Disclosure and Representations) Act 2012. Covers disclosure for consumer contracts.
How it runs in 5Mins

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  • RepeatRecurrence

    Set the course to repeat, for example every 12 months, and 5Mins re-enrolls people for you.

  • CertifyCertificates

    Certificates and e-signatures are issued and stored for every completion.

  • ProveAudit-ready records

    See who is complete, at risk or overdue on the Compliance Dashboard, and prove it any time.

Customer stories

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ComplianceCompliance Training Insurance, 205 colleagues 100%

compliance completion and pass rate since go-live

  • ~1 day saved on each compliance course (HR estimate)
  • Automated reminders and reporting

Since go-live, our compliance completion and pass rates are 100%, and it's the quickest we've ever got there. Automated reminders and reporting save us about a day per course.

Laura ChappellLaura ChappellHR Director, Collingwood
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ComplianceCompliance Training Insurance and emergency accommodation 87%

less session time, from 2.5-3 hour sessions to modules of 25 minutes at most

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  • 95% content creation time saved

Our compliance sessions used to be two and a half to three hours in a room, and we could fit in three or four a year. Now we cover one topic a month, and I can see exactly what people are retaining.

Lucy WybornLucy WybornDirector of Learning and Development, ICAB
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ComplianceCompliance Training Legal services 80%

completion on mandatory training, up from 20%

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  • Manager view of each team's progress

We were sitting at 20% completion on our mandatory training. We're now at 80%. People finish short lessons between calls, on mobile, and managers can see where their teams are, so chasing completion is no longer a one-person job.

Jamie WaltonJamie WaltonGroup Learning and Development Officer, Winn Solicitors
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training log showing who did what, when, and the pass rate

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When I engage with the FCA, I can show that every team has had training tailored to their role, that it's up to date, and that it runs throughout the year, with a full log of who's done what.

Abdul GofurAbdul GofurHead of Compliance & Anti-Financial Crime, nsave
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Your questions answered

Questions about Insurance Act 2015 training

How long is the Insurance Act 2015 course?

It's made up of 6 microlessons, each under 5 minutes. Learners can finish it in one sitting or spread it over a few days, and 5Mins sends reminders until it is done.

Is there a certificate?

Yes. Learners get a certificate of completion once they finish every microlesson and the situational tests. The record is stored in 5Mins for audits.

What is the duty of fair presentation?

Before the contract is entered into, the insured must disclose every material circumstance it knows or ought to know, in a reasonably clear and accessible way. The second microlesson covers the knowledge rules and reasonable search.

Does the Act apply to consumer insurance?

The duty of fair presentation applies to non-consumer contracts. Consumer disclosure is covered by the Consumer Insurance (Disclosure and Representations) Act 2012. The first microlesson explains the split.

Who should take this course?

Commercial brokers, underwriters, claims handlers and anyone who places or claims on business insurance, including risk managers at insured businesses.

Can I try the course first?

Yes. Request a free sample lesson and book a short demo with our team. After your demo, we'll share sample lessons with you so you can see the format for yourself.

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