Insurance Law in the Technological Context: A Historical Review

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ID: 328739
2026
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Abstract
Abstract This chapter argues that English insurance law and governance has evolved in continuous interaction with technological change, rather than as an autonomous body of doctrine. Using a co-evolutionary socio-legal lens, it traces how changing technologies, from marine navigation to digitalization and telematics, have reshaped how the English insurance industry defines risks, invents new doctrines, and deals with disputes. The chapter shows that legal adaptation has occurred not only through courts and statutes but also through regulation, market governance, standard policy wordings, and the Financial Ombudsman Service. Historical episodes including compulsory motor insurance, cyber-risk governance, renewal-pricing interventions, and digitized dispute resolution demonstrate that insurance law is repeatedly recalibrated when technology alters what can be known, proved, and governed. The chapter concludes that AI is likely to produce further institutional and procedural adjustment; it will drive further movement away from purely court-centred doctrinal development and towards distributed, ex ante forms of regulation and redress.
Reference Key
openalex_W7213411329 Use this key to autocite in the manuscript while using SciMatic Manuscript Manager or Thesis Manager
Authors Feng Wang
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Journal Oxford University Press eBooks
Year 2026
DOI
10.1093/law/9780198953586.003.0003
URL
https://doi.org/10.1093/law/9780198953586.003.0003
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