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Call for Consumer Reform of Insurance Law in Singapore

Yeo Hwee Ying

(2014) 26 SAcLJ 215

The technical doctrine of good faith (uberrima fides) relating to pre-contractual disclosure and representation in insurance law has for a long while been operating in a notoriously unfair manner both in England and Singapore. Recently in England, the Consumer Insurance (Disclosure and Representations) Act 2012 has abolished in one legislative stroke the duty of disclosure for the consumer insured who now only has a duty to take reasonable care not to misrepresent facts. Singapore cannot remain insulated and should consider reforms in response to these new legislative developments.