United Kingdom: Insurance

The UK's automated vehicles regime enters a critical new phase as the Department for Transport prepares a 2026 consultation on the wider regulatory framework following the Automated Vehicles Act 2024. This consultation will address operational, insurance and liability issues that will determine how claims are handled and risks priced in the emerging self-driving vehicle ecosystem. For insurers, this represents a pivotal opportunity to shape the future claims, liability and data-sharing framework that will u

In a landmark ruling, the English Commercial Court has determined that insurers must continue advancing defence costs under D&O policies even when fraud allegations are pending, provided a non-avoidance clause is present. The decision addresses whether such clauses violate public policy and establishes that insurers cannot withhold coverage until fraud is either admitted or proven by final court decision.

The offshore wind industry faces unprecedented insurance challenges as it scales rapidly to meet global energy demands. With subsea cable failures, design defects, and evolving technologies creating complex coverage issues, insurers and wind farm operators must navigate LEG exclusions, series loss clauses, and contingent business interruption claims. How can the insurance market balance risk limitation with the viability of this critical renewable energy sector?