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International commercial insurance law


Insurance is an essential element in nearly all commercial transactions and many situations encountered by private individuals. The UK insurance industry has an international, indeed worldwide importance. It’s a subject with long historical roots but is also going through a period of change and reform making this an interesting time to study this subject. This course will enable you to study the development of commercial insurance law and to engage with the cases and problems that will give you an understanding of the reality of decision making and problem solving in this field of law.

Module A: The contract of reinsurance


  • The definition of reinsurance
  • Regulation of reinsurance business
  • Forms of reinsurance: facultative contracts; treaties
  • Relationship between assured, insurer and reinsurer
  • Formation and insurable interest
  • Utmost good faith
  • Express, implied and incorporated terms

Module B: Reinsurance losses and claims


  • Back to back cover
  • Follow the settlements and follow the fortunes
  • Claims co-operation and claims control clauses
  • Aggregation of losses
  • Post-loss allocation
  • Inspection clauses

Module C: Liability insurance


  • Forms of liability insurance: event, injury, claims made
  • Compulsory insurance regimes: motor; employers’ liability; maritime law
  • Professional indemnity insurance
  • Directors’ and Officers’ insurance
  • Product liability insurance
  • Defence costs
  • Third party rights

Module D: Conflict of laws in insurance


  • Jurisdiction of the English courts
  • Law applicable to insurance and reinsurance contracts
  • Operation of the applicable law rules


Each module is assessed by a 45-minute unseen written exam.


It is strongly recommended you take Module A before Module B.

How to apply

You can apply to study a module individually as a standalone unit or as part of a Postgraduate Certificate, Postgraduate Diploma or Master of Laws qualification. (In either scenario, they must be studied in order.)

These modules also contribute towards the following specialist pathways for Laws:

  • Commercial and Corporate Law
  • Common Law
  • Financial Services Law
  • Insurance Law
  • International Business Law

Apply via Postgraduate Laws.

Academic Co-ordinator

Dr Özlem Gürses

Dr Özlem Gürses

Dr Ozlem Gurses is currently a Reader in Insurance and Commercial Law at King's College London. Ozlem previously taught at Southampton from 2010 - 2016. She is a member of the Presidential Council (UK representative) of the Association of Insurance Law (AIDA). She is also a member of the Reinsurance Working Party of AIDA and regularly presents papers at the Reinsurance Working Party meetings. In October 2014, she also presented a paper at the Marine Insurance Working Party.

Ozlem joined The Dickson Poon School of Law in September 2016 as Reader of Insurance and Commercial Law. Previously, she taught at the Norwich and Southampton Law Schools. She has published extensively in insurance and reinsurance law, the most recent of which are a chapter on property insurance for Insurance Disputes (by Informa, forthcoming) and the marine insurance chapter of Maritime Law (Routledge, forthcoming). Ozlem regularly presents her research at home and abroad. Most recently she delivered two papers at a conference in Perth - Australia in May 2017. She received the Vice-Chancellor Teaching Award by the University of Southampton in 2016 prior to joining King's College London. Ozlem is a member of the Presidential Council and the Reinsurance Working Party of International Insurance Law Association/Association Internationale de Droit des Assurances (AIDA).