{
  "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004",
  "json_url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004.json",
  "id": "uksi/2004/353",
  "title": "The Insurers (Reorganisation and Winding Up) Regulations 2004",
  "short_title": "Insurers (Reorganisation and Winding Up) 2004",
  "long_title": "These Regulations revoke and replace in their entirety the Insurers (Reorganisation and Winding Up) Regulations 2003 (SI 2003/1102) which implemented the directive of the Parliament and the Council on the reorganisation and winding up of insurance undertakings (2001/17/EC) for all UK insurers except Lloyd's. They take account of the changes to insolvency law brought about by the commencement of the Enterprise Act 2002 and in particular the new administration procedures in the new Schedule B1 to the Insolvency Act 1986. The Financial Services and Markets Act 2000 (Administration Orders Relating to Insurers) Order 2002 (SI 2002/1242) is amended to disapply paragraphs 14 and 22 of Schedule B1 because the reorganisation and winding up directive does not permit the appointment of an administrator other than by a court. These Regulations continue to provide that no winding up proceedings or voluntary arrangements in respect of EEA insurers can be undertaken in the UK except in the circumstances permitted by the Regulations. EEA reorganisation and winding up proceedings are to be recognised in the UK. Provisions are made for the exercise by EEA liquidators of their functions in the UK. Provision is made for the notification of reorganisation and winding up proceedings to competent authorities in other EEA Member States. Modifications are made to UK insolvency law in respect of notifications of various other matters including important stages in the relevant procedures and forms in which creditors in other EEA States may enter claims, to the FSA, EEA authorities and creditors. There are detailed changes from the provisions in the Regulations replaced with regard to administration and in particular to accommodate the ability for companies, Directors and holders of floating charges to appoint an administrator without a court order. The Regulations provide for the special order of priority for insurance debts created by the directive to apply to UK insurers and for the carrying through of the consequences of this in insolvency law. They make provision for application to insurers whose head office is outside the UK and the EEA. Provision is made for detailed amendment of existing secondary legislation including the insolvency rules in all UK jurisdictions dealing with the reorganisation or winding up of insurers.",
  "citation": "S.I. 2004/353",
  "type": "uksi",
  "year": "2004",
  "number": "353",
  "version": "current",
  "date": "2004-02-12",
  "revised": true,
  "valid_from": "2023-07-11",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 1,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/I",
      "kind": "part",
      "number": "I",
      "heading": "GENERAL",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation and Commencement",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-1",
      "extent": null,
      "status": null,
      "parent": "part/I"
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/I"
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Scope",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-3",
      "extent": null,
      "status": null,
      "parent": "part/I"
    },
    {
      "path": "part/II",
      "kind": "part",
      "number": "II",
      "heading": "INSOLVENCY MEASURES AND PROCEEDINGS: JURISDICTION IN RELATION TO INSURERS",
      "url": null,
      "extent": null,
      "status": "repealed",
      "parent": null
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Prohibition against winding up etc. EEA insurers in the United Kingdom",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-4",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Schemes of arrangement: EEA insurers",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-5",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Reorganisation measures and winding up proceedings in respect of EEA insurers effective in the United Kingdom",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-6",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Confirmation by the court of a creditors' voluntary winding up",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-7",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/II"
    },
    {
      "path": "part/III",
      "kind": "part",
      "number": "III",
      "heading": "MODIFICATIONS OF THE LAW OF INSOLVENCY: NOTIFICATION AND PUBLICATION",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Modifications of the law of insolvency",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-8",
      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Notification of relevant decision to the FCA and, if the insurer is a PRA-authorised person, the PRA",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Notification of relevant decision to EEA regulators",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-10",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Publication of voluntary arrangement, administration order, winding up order or scheme of arrangement",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-11",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "Notification to creditors: winding up proceedings",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-12",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Submission of claims by EEA creditors",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-13",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Reports to creditors",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-14",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
      "number": "15",
      "heading": "Service of notices and documents",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-15",
      "extent": null,
      "status": null,
      "parent": "part/III"
    },
    {
      "path": "regulation/16",
      "kind": "regulation",
      "number": "16",
      "heading": "Disclosure of confidential information received from an EEA regulator",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-16",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/III"
    },
    {
      "path": "part/IV",
      "kind": "part",
      "number": "IV",
      "heading": "PRIORITY OF PAYMENT OF INSURANCE CLAIMS IN WINDING UP ETC.",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/17",
      "kind": "regulation",
      "number": "17",
      "heading": "Interpretation of this Part",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-17",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Application of regulations 19 to 27",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/19",
      "kind": "regulation",
      "number": "19",
      "heading": "Application of this Part: certain assets excluded from insolvent estate of UK insurer",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-19",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/20",
      "kind": "regulation",
      "number": "20",
      "heading": "Preferential debts: disapplication of section 175 of the 1986 Act or Article 149 of the 1989 Order",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-20",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/21",
      "kind": "regulation",
      "number": "21",
      "heading": "Preferential debts: long term insurers and general insurers",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/22",
      "kind": "regulation",
      "number": "22",
      "heading": "Composite insurers: preferential debts attributable to long term and general business",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-22",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/23",
      "kind": "regulation",
      "number": "23",
      "heading": "Preferential debts: long term business of a non-transferring composite insurer",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-23",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/24",
      "kind": "regulation",
      "number": "24",
      "heading": "Preferential debts: general business of a composite insurer",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-24",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/25",
      "kind": "regulation",
      "number": "25",
      "heading": "Insufficiency of long term business assets and general business assets",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-25",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/26",
      "kind": "regulation",
      "number": "26",
      "heading": "Composite insurers: excess of long term business assets and general business assets",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-26",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/27",
      "kind": "regulation",
      "number": "27",
      "heading": "Composite insurers: application of other assets",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-27",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/28",
      "kind": "regulation",
      "number": "28",
      "heading": "Composite insurers: proof of debts",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-28",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/28A",
      "kind": "regulation",
      "number": "28A",
      "heading": "Composite insurers: seeking decisions from creditors",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-28A",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/29",
      "kind": "regulation",
      "number": "29",
      "heading": "Composite insurers: general meetings of creditors",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-29",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/30",
      "kind": "regulation",
      "number": "30",
      "heading": "Composite insurers: apportionment of costs payable out of the assets",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-30",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/31",
      "kind": "regulation",
      "number": "31",
      "heading": "Summary remedy against liquidators",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-31",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/32",
      "kind": "regulation",
      "number": "32",
      "heading": "Priority of subrogated claims by the Financial Services Compensation Scheme",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-32",
      "extent": null,
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "regulation/33",
      "kind": "regulation",
      "number": "33",
      "heading": "Voluntary arrangements: treatment of insurance debts",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-33",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/IV"
    },
    {
      "path": "part/V",
      "kind": "part",
      "number": "V",
      "heading": "REORGANISATION OR WINDING UP OF UK INSURERS ...",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/34",
      "kind": "regulation",
      "number": "34",
      "heading": "Application of this Part",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-34",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/V"
    },
    {
      "path": "regulation/35",
      "kind": "regulation",
      "number": "35",
      "heading": "Application of this Part: certain assets excluded from insolvent estate of UK insurer",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-35",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/V"
    },
    {
      "path": "regulation/36",
      "kind": "regulation",
      "number": "36",
      "heading": "Interpretation of this Part",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-36",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/V"
    },
    {
      "path": "regulation/37",
      "kind": "regulation",
      "number": "37",
      "heading": "Applicable law in the winding up of a UK insurer",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-37",
      "extent": null,
      "status": null,
      "parent": "part/V"
    },
    {
      "path": "regulation/38",
      "kind": "regulation",
      "number": "38",
      "heading": "Employment contracts and relationships",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-38",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "regulation/39",
      "kind": "regulation",
      "number": "39",
      "heading": "Contracts in connection with immovable property",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-39",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "regulation/40",
      "kind": "regulation",
      "number": "40",
      "heading": "Registrable rights",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-40",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "regulation/41",
      "kind": "regulation",
      "number": "41",
      "heading": "Third parties' rights in rem",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-41",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "regulation/42",
      "kind": "regulation",
      "number": "42",
      "heading": "Reservation of title agreements etc.",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-42",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "regulation/43",
      "kind": "regulation",
      "number": "43",
      "heading": "Creditors' rights to set off",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-43",
      "extent": null,
      "status": null,
      "parent": "part/V"
    },
    {
      "path": "regulation/44",
      "kind": "regulation",
      "number": "44",
      "heading": "Regulated markets",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-44",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/V"
    },
    {
      "path": "regulation/45",
      "kind": "regulation",
      "number": "45",
      "heading": "Detrimental acts pursuant to the law of an EEA State",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-45",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "regulation/46",
      "kind": "regulation",
      "number": "46",
      "heading": "Protection of third party purchasers",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-46",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "regulation/47",
      "kind": "regulation",
      "number": "47",
      "heading": "Lawsuits pending",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-47",
      "extent": null,
      "status": "repealed",
      "parent": "part/V"
    },
    {
      "path": "part/VI",
      "kind": "part",
      "number": "VI",
      "heading": "THIRD COUNTRY INSURERS",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/48",
      "kind": "regulation",
      "number": "48",
      "heading": "Interpretation of this Part",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-48",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "regulation/49",
      "kind": "regulation",
      "number": "49",
      "heading": "Application of these Regulations to a third country insurer",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-49",
      "extent": null,
      "status": null,
      "parent": "part/VI"
    },
    {
      "path": "regulation/50",
      "kind": "regulation",
      "number": "50",
      "heading": "Disclosure of confidential information: third country insurers",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-50",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/VI"
    },
    {
      "path": "part/VII",
      "kind": "part",
      "number": "VII",
      "heading": "REVOCATION AND AMENDMENTS",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/51",
      "kind": "regulation",
      "number": "51",
      "heading": "Amendment of the Insurers (Winding Up) Rules 2001 and the Insurers (Winding Up) (Scotland) Rules 2001",
      "url": "https://openlegislation.uk/insurers-reorganisation-and-winding-up-regulations-2004/regulation-51",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/VII"
    },
    {
      "path": "regulation/52",
      "kind": "regulation",
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