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Written question asked by Lord Higgins (Conservative) on Tuesday, 21 July 2015, in the House of Lords. It was due for an answer on Tuesday, 4 August 2015. It was answered by Lord O'Neill of Gatley (Conservative) on Monday, 27 July 2015 on behalf of the Treasury.


Financial Services: Compensation

Question

To ask Her Majesty’s Government, in relation to the Deposit Guarantee Scheme, whether the principle of uberrima fides applies to state insurers within the European Union, as well as private insurers.

Answer

The principle of uberrima fides does not apply to the UK’s Deposit Guarantee Scheme. Uberrima fides is a principle that applies to insurers and insurance contracts, but the Deposit Guarantee Scheme is not an insurance scheme and is not contractual. The duties of the Deposit Guarantee Scheme are set out in the EU Deposit Guarantee Scheme Directive and the relevant UK legislation.


Secondary information

Type
Written question
Reference
HL1732
Session
2015-16
Subjects
Compensation Financial services Insurance
Link
View this Written question on www.parliament.uk