{
  "url": "https://openlegislation.uk/pubs-code-etc-regulations-2016/regulation-46",
  "json_url": "https://openlegislation.uk/pubs-code-etc-regulations-2016/regulation-46.json",
  "legislation": "uksi/2016/790",
  "legislation_title": "The Pubs Code etc. Regulations 2016",
  "legislation_url": "https://openlegislation.uk/pubs-code-etc-regulations-2016",
  "path": "regulation/46",
  "kind": "regulation",
  "number": "46",
  "heading": "Insurance",
  "text": "(1) Paragraphs (2) to (4) apply where a pub-owning business intends to charge a tied pub tenant an amount (“the insurance charge”) in respect of premiums for insurance in respect of the premises to which the tenancy or licence relates.\n(2) The pub-owning business must inform the tied pub tenant whether—\n(a) the insurance charge exceeds the amount payable by the pub-owning business in respect of premiums for insurance in respect of the premises under the insurance policy and, if so, the amount of that excess; and\n(b) the pub-owning business, or any group undertaking in relation to the pub-owning business, receives, or expects to receive, any commission or rebate in connection with that policy.\n(3) Before the pub-owning business purchases, or renews, an insurance policy in respect of the premises, the pub-owning business must—\n(a) provide to the tenant full details of that policy, including the cover which is provided, the charges payable and any contributions towards a claim which the tenant is required to make;\n(b) provide to the tenant any additional information required to allow the tenant to compare the policy with other suitable, comparable policies which may be available; and\n(c) where the tied pub tenant notifies the pub-owning business that it has identified a suitable and comparable alternative policy (the “tenant’s alternative policy”), consider that policy.\n(4) Where the pub-owning business is required to provide information under paragraph (3), the pub-owning business must do so—\n(a) at least 21 days before the day on which the policy has effect; or\n(b) if earlier, at least 21 days before the day on which the pub-owning business enters into the insurance.\n(5) Paragraph (6) applies where the insurance charge is higher than the amount which it would be if the pub-owning business entered into the tenant’s alternative policy (the “alternative insurance charge”).\n(6) The pub-owning business must—\n(a) purchase the tenant’s alternative policy; or\n(b) agree, in writing, that any difference between the insurance charge and the alternative insurance charge is not payable by the tenant.",
  "extent": "E+W",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "I",
      "label": "I1",
      "text": "Reg. 46 in force at 21.7.2016, see reg. 1(b)"
    },
    {
      "type": "footnote",
      "label": "f1",
      "text": "Section 72(1) of SBEEA 2015 defines “group undertaking”."
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/uksi/2016/790/regulation/46",
    "retrieved_at": "2026-10-28T23:21:16.726869+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."
}