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Insurance Law - An Introduction is essential reading and will provide you with a thorough understanding of all the main areas including motor, property, financial and marine insurance. The book contains the latest case law and best practice with reference to problem areas including fraudulent claims, third party rights against insurers and construing insurance terms. Comprehensive guidance on all key areas from the duty of utmost good faith to choice of law and jurisdictional issues is given by the leading legal experts in the insurance industry

This article will explore risk spreading practices in the so-called 'popular economy' in South Africa. Concepts like 'insurance', 'insurance law' and 'customary law' will be interrogated, with the analysis falling on traditional and more modern informal responses to risk, as well as more formal responses resulting from the increased penetration of private insurance in the democratic era. This contribution aims to address concerns expressed about both informal and formal risk spreading practices, to argue towards a conclusion that a pluralistic notion of 'insurance' should not necessarily be sacrificed in service of corporate profit aims. Value remains in 'customary insurance law', and these cultural responses may provide evidence of a broader contract value system to be used in the service of developing the South African laws of contract and insurance. At very least, this value system should inform concepts like consumer insurance law and should be foregrounded in developing a notion of micro-insurance. South Africa has the potential to be a world leader in the field of customary insurance law, as the failings of a comparable system – funeral insurance in Australia – demonstrate.

Intro -- Acknowledgements -- Contents -- Table of Cases -- Table of Legislation -- Introduction -- I. Scope and Structure of the Book -- II. Big Data's Impact on Insurance -- III. Information Asymmetries and Principles of Insurance Law -- IV. Remedies for Insurers' Misuse of Big Data -- V. Relationship between Social Change and Legal Principle -- PART I: BIG DATA'S IMPACT ON THE PROVISION AND REGULATION OF INSURANCE -- 1. Big Data and Predictive Analytics -- I. Big Data: Definition and Techniques -- II. The Nature, Collection, Sources and Aggregation of Data -- III. How Big Data is Transforming Insurance Business -- IV. Conclusions -- 2. Regulatory Assessment of the Use of Big Data by Insurers -- I. Regulatory Assessment by UK Regulators -- II. Regulatory Assessment by EU Regulators -- III. Conclusions -- 3. Emerging Themes and Issues -- I. Transparency and Privacy Concerns -- II. Information Asymmetries, Adverse Selection and Segmentation of Risk Pools -- III. Access to Insurance -- IV. Conclusions -- PART II: BIG DATA AND THE PRINCIPLES OF INSURANCE LAW -- 4. Big Data and the Permissible Constraints on the Scope of Cover -- I. Terms of Insurance Contracts -- II. General Constraints on Policy Terms -- III. Constraints in Relation to Specific Classes of Risk -- IV. Conclusions -- 5. Good Faith and Duties of Disclosure in Insurance Law -- I. Duties of Disclosure in English Contract Law -- II. The Good Faith Duty of Disclosure in Insurance Law -- III. Legislative Reform -- IV. Conclusions -- PART III: THE IMPACT OF REGULATORY LAW ON INSURANCE LAW -- 6. Regulatory Constraints on the Collection and Use of Data -- I. Financial Services Regulation -- II. Regulation of Insurance - The Insurance Distribution Directive -- III. Data Protection Regulation -- IV. Conclusions -- 7. Impact of Regulatory Duties on the Content of the Duty of Good Faith.