Insurance (Disregard of Certain Medical History and Miscellaneous Provisions) Bill 2025

Public bill · Private Member · Introduced

It would stop insurers from treating a past cancer diagnosis against someone when they apply for mortgage protection insurance on their main home, as long as they are within the cover limits set out in the law. It would also set the maximum amount of cover where this “right to be forgotten” applies, so survivors are not unfairly pushed into worse terms or turned away. Alongside that, it would update older insurance laws on winding up insurers and on payments into the Insurance Compensation Fund.

Formal long title

Bill entitled an Act to provide for the disregard by insurers of a person’s medical history, in respect of a cancer diagnosis, for the purposes of an application for mortgage protection insurance relating to the person’s principal private residence; to provide for the maximum level of such insurance cover to which that disregard shall apply; to make provision in relation to the winding-up of certain insurers and reinsurers and for that purpose to amend the Insurance Act 1936; to make provision regarding certain insurance undertakings required to make contributions to a sub-fund of the Insurance Compensation Fund and payments into that sub-fund and for those purposes to amend the Insurance Act 1964; and to provide for related matters.