LLAW3024

General Course Information

1.1 Course details

Course code: LLAW3024
Course name: Insurance Law
Programme offered under: LLB Programme
Semester: First
Designated research course: Not applicable
Specialization: Commercial, corporate and financial law
Prerequisites / Co-requisites:
  • Prerequisite: Law of Contract I & II
  • Co-requisite: Commercial Law
Course offered to non-law students: No
Credit point value: 6 credits

1.2 Course description

While insurance law is significant in its own right it also plays a critical role in the development of other branches of the law. Insurance contracts obviously underpin commercial transactions, particularly contracts for goods and services (including consumer contracts) and international trade. Insurance law also pervades the policy issues not always openly avowed in the reasoning of the courts when deciding negligence cases and claims for breach of statutory duty. At its root, insurance is the means by which a party, the insured, shifts the risk of suffering a loss (for example, property, life, credit or potential liability) to another party, the insurer. As a specialist area of the law of contract, there is a rich body of case law together with a range of statutory interventions. There is a rejuvenated movement pressing for reform in HK along the lines of the UK. The English and Scottish Law Commissions in an ongoing project which began in 2006 have revisited insurance law after a gap of some 25 years. As a result, two significant UK statutes on insurance contract law were passed in 2012 and 2015. Hong Kong may use these as a template.

The course covers the definition of insurance contracts; risk spreading; the importance and reform of the concepts of nsurable Interest and tmost Good Faith the role of intermediaries; the specific terms of insurance contracts; how losses and claims under insurance contracts are dealt with; and the rights of insurers.

1.3 Course teachers

Name E-mail address Office Consultation
Course convenor John Lowry j.lowry@ucl.ac.uk TBA Request an appointment in advance by email

Learning Outcomes

2.1 Course Learning Outcomes (CLOs) for this course

CLO 1 Develop an awareness and understanding of insurance law to include distinguishing features and characteristics of an insurance contract.

CLO 2 Recognise, understand and apply the legal duties owed by each party to an insurance contract.

CLO 3 Appreciate the roles of brokers and insurance agents within the insurance market.

CLO 4 Appreciate the different classes of insurance and range of wordings available.

2.2 LLB Programme Learning Outcomes (PLOs)

Please refer to the following link: https://course.law.hku.hk/llb-plo/

2.3 Programme Learning Outcomes to be achieved in this course

PLO A PLO B PLO C PLO D PLO E PLO F
CLO 1
CLO 2
CLO 3
CLO 4

Assessment(s)

3.1 Assessment Summary (Three house open book unseen examination)

Assessment task Due date Weighting Feedback method* Course learning outcomes
In class assessed problem-style question TBC 50% 1, 2, 3, 4
Research essay TBC 50% 1, 2, 3, 4
*Feedback method (to be determined by course teacher)
1 A general course report to be disseminated through Moodle
2 Individual feedback to be disseminated by email / through Moodle
3 Individual review meeting upon appointment
4 Group review meeting
5 In-class verbal feedback

3.2 Assessment Detail

Two essays, each of 2500 words, to be submitted at a date to be confirmed.

Note: Unless otherwise indicated by the course teacher, if a candidate submits an item of assessable coursework after the required completion date, the examiner(s) shall award a grade for such coursework but subject to the imposition of a penalty (unless late submission was due to illness or other acceptable reason), which penalty shall involve the immediate deduction of 3 per cent of the full grade of the coursework for failing to submit by the required completion date and time and the deduction of a further 3 per cent of the full grade of the coursework for every additional day later thereafter.

3.3 Grading Criteria

Please refer to the following link: https://www.law.hku.hk/_files/law_programme_grade_descriptors.pdf

Learning Activities

4.1 Learning Activity Plan

Seminar 3-hour seminars in an intensive mode in February 2022
Private study time: 9.5 hours / week for 12 teaching weeks

Remarks: the normative student study load per credit unit is 25 ± 5 hours (ie. 150 ± 30 hours for a 6-credit course), which includes all learning activities and experiences within and outside of classroom, and any assessment task and examinations and associated preparations.

4.2 Details of Learning Activities

Seminar questions will be distributed via Moodle

Learning Resources

5.1 Resources

Reading materials: Reading materials are posted on Moodle
Core reading list: TBA
Recommended reading list: TBA

5.2 Links

Please refer to the following link: http://www.law.hku.hk/course/learning-resources/