{
  "url": "https://openlegislation.uk/insurance-companies-third-insurance-directives-regulations-1994/regulation-49/enacted",
  "json_url": "https://openlegislation.uk/insurance-companies-third-insurance-directives-regulations-1994/regulation-49/enacted.json",
  "legislation": "uksi/1994/1696",
  "legislation_title": "The Insurance Companies (Third Insurance Directives) Regulations 1994",
  "legislation_url": "https://openlegislation.uk/insurance-companies-third-insurance-directives-regulations-1994/enacted",
  "path": "regulation/49",
  "kind": "regulation",
  "number": "49",
  "heading": "Applicable law",
  "text": "In paragraph 1 of Schedule 3A to the 1982 Act (law applicable to certain contracts of insurance), for sub-paragraph (6) substitute—\n“(6) Where the risk—\n(a) is situated in an EFTA state and falls within class 4, 5, 6, 7, 11 or 12 of Part I of Schedule 2 to this Act; or\n(b) is situated in a member State and is a large risk,\nthe parties to the contract may choose any law.\n(7) Where the risk is situated in a member State which has implemented the transitional provisions in Article 27 of the second general insurance Directive, the meaning of ‘large risk’ for the purposes of sub-paragraph (6) above shall be determined in accordance with the law applicable in that State.”",
  "extent": null,
  "status": null,
  "version": "enacted",
  "annotations": [
    {
      "type": "footnote",
      "label": "f1",
      "text": "Schedule 3A was inserted by S.I. 1990/1333, reg 6(2) and amended by S.I. 1993/174, reg 5(4) and (5)."
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/1994/1696/regulation/49",
    "retrieved_at": "2026-11-13T03:33:14.881843+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."
}