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Policies and Perceptions of Insurance Law in the Twenty-First Century$
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Malcolm Clarke

Print publication date: 2005

Print ISBN-13: 9780199273300

Published to Oxford Scholarship Online: March 2012

DOI: 10.1093/acprof:oso/9780199273300.001.0001

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(p.83) 4 Contracting
Policies and Perceptions of Insurance Law in the Twenty-First Century


Oxford University Press

The rules of law governing the formation of contracts of insurance are the same as those which govern the formation of most other kinds of contract: the ritual matching of offer and acceptance. This is true of most kinds of insurance contract, including those contracted at Lloyd's; however, in the Lloyd's market the ritual takes a form rather different from that described in this chapter. In a simple case the person seeking cover (the ‘applicant’) considers the insurance described in some form of advertisement or brochure (invitations to treat).

Keywords:   insurance contract, offer and acceptance, Lloyd's, applicant, brochure, documentation

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