{
  "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990",
  "json_url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990.json",
  "id": "uksi/1990/1159",
  "title": "The Insurance Companies (Legal Expenses Insurance) Regulations 1990",
  "short_title": "Insurance Companies (Legal Expenses Insurance) 1990",
  "long_title": "These Regulations, which are made under section 2(2) of the European Communities Act 1972, implement the Legal Expenses Insurance Directive (87/344/EEC). The Regulations impose requirements on legal expenses insurers carrying on legal expenses insurance, designedprimarily to avoid possible conflict of interests. In particular such insurers must adopt one of the three arrangements set out in regulation 5 and must, subject to certain exceptions, offer the insured a free choice of lawyer to represent his interests in any enquiry or proceedings or whenever any actual conflict of interests arises (regulation 6).",
  "citation": "S.I. 1990/1159",
  "type": "uksi",
  "year": "1990",
  "number": "1159",
  "version": "current",
  "date": "1990-05-29",
  "revised": false,
  "valid_from": null,
  "extent": null,
  "unapplied_effects": 6,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation and commencement",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-1",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-2",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Application",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-3",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Requirement of separate policy or section",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-4",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Arrangements for avoiding conflicts of interests",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-5",
      "extent": null,
      "status": null,
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    },
    {
      "path": "regulation/6",
      "kind": "regulation",
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      "heading": "Freedom to choose lawyer",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-6",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
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      "heading": "Freedom to choose lawyer",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-7",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Arbitration",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-8",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Notification to insured of his rights",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-9",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Classification of insurance business",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-10",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Enforcement",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/regulation-11",
      "extent": null,
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    },
    {
      "path": "signature",
      "kind": "signature",
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      "heading": "Signature",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/signature",
      "extent": null,
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    },
    {
      "path": "note",
      "kind": "note",
      "number": null,
      "heading": "Explanatory note",
      "url": "https://openlegislation.uk/insurance-companies-legal-expenses-insurance-regulations-1990/note",
      "extent": null,
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    }
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      "date": "2023-11-22",
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  ],
  "outstanding_effects": [
    {
      "type": "reg. 2(1)(a)(b) renumbered as reg. 2(1)(c)(d)",
      "affected_provisions": "reg. 2(1)(c)(d)",
      "affecting": "uksi/2001/3649",
      "affecting_title": "The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001",
      "affecting_provisions": "art. 408(2)"
    },
    {
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      "affected_provisions": "reg. 2(1)(a)(b)",
      "affecting": "uksi/2001/3649",
      "affecting_title": "The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001",
      "affecting_provisions": "art. 408(3)"
    },
    {
      "type": "substituted",
      "affected_provisions": "reg. 2(1)(c)",
      "affecting": "uksi/2001/3649",
      "affecting_title": "The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001",
      "affecting_provisions": "art. 408(4)"
    },
    {
      "type": "substituted",
      "affected_provisions": "reg. 2(2)",
      "affecting": "uksi/2001/3649",
      "affecting_title": "The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001",
      "affecting_provisions": "art. 408(5)"
    },
    {
      "type": "revoked",
      "affected_provisions": "reg. 10",
      "affecting": "uksi/2001/3649",
      "affecting_title": "The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001",
      "affecting_provisions": "art. 409"
    },
    {
      "type": "words substituted",
      "affected_provisions": "reg. 11",
      "affecting": "uksi/2001/3649",
      "affecting_title": "The Financial Services and Markets Act 2000 (Consequential Amendments and Repeals) Order 2001",
      "affecting_provisions": "art. 410"
    }
  ],
  "made_under": [
    {
      "id": "ukpga/1972/68",
      "title": "European Communities Act 1972 (repealed)",
      "url": "https://openlegislation.uk/european-communities-act-1972-repealed",
      "provisions": [
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  "changes_made_to": 6,
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  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/1990/1159",
    "retrieved_at": "2026-10-29T15:19:50.273939+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}