All Legislation
Insurance Law
c. 10
England & Wales
Third Parties (Rights against Insurers) Act 2010
View on legislation.gov.ukThis page mainly applies to England and Wales. Scotland and Northern Ireland may have different rules — check the jurisdiction before relying on this information.
Independent editorial summary — not the official statute text. Read the official version on legislation.gov.uk.
Summary
This Act modernises and simplifies the procedure by which a third party (e.g., an accident victim) can claim directly against the liability insurer of a defendant who is insolvent or has been dissolved. It replaces the 1930 Act of the same name, removing the requirement for the third party to first establish the insured's liability in separate proceedings before suing the insurer.
Key Points
- Transfers the insured's rights against the insurer directly to the third party on insolvency (s.1)
- Third party can bring proceedings directly against the insurer without first establishing the insured's liability (s.2)
- Third party entitled to information about insurance from insurer and insured (ss.11–12)
- Applies to all types of liability insurance