My post dated seventh of January referring to the insurance act 2015 is wrong. Sorry. The relevant legislation is contained in Consumer Insurance (Disclosure and Representations) Act 2012   http://www.legislation.gov.uk/ukpga/2012/6/contents/enacted     Although the effect is exactly the same. The consumer insurance act 2012 Act has basically incorporated in far greater detail and in a more understandable form the provisions which had previously been made by the FCA in I