IUA model clauses are published by the IUA Clauses Committee. The Committee is comprised of a range of wordings specialists from our member companies, together with broking and legal representatives.
Prior to publication, model clauses are subject to a formal review process, which can involve the testing of clauses against hypothetical scenarios, and accompanying guidance notes are also often issued. The IUA is open to receiving feedback on published clauses, which may result in updated versions being issued. We are heavily focussed on contract clarity and ensuring that model clauses are written in plain English. It is important to be mindful that clauses may be read by non-specialists and insurers are acutely aware of the obligation to treat customers fairly.
It is not compulsory for model clauses to be used as drafted, nor are they intended to replace the exercise of independent judgement. It is the responsibility of each individual company to judge their own circumstances when deciding whether or not to use a particular clause.
All IUA model clauses are freely accessible via the clauses section section found via the main menu bar of this website.