Reassessing ‘Knowledge’ Under the UK Insurance Act 2015 in the AI Age

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ID: 328756
2026
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Abstract
Abstract This chapter examines how artificial intelligence challenges the concept and allocation of ‘knowledge’ under the UK Insurance Act 2015. It argues that AI does not require insurance law to recognize a new category of machine knowledge, but it does require a recalibration of how knowledge is attributed, searched for, surfaced, and operationalized in the duty of fair presentation. Focusing on sections 3–6 of the Insurance Act 2015, the chapter analyses how AI affects both the assured’s and the insurer’s actual and constructive knowledge, especially through reasonable search, internal workflows, underwriting systems, and data-driven decision-making. It contends that the key distinction is not between human and machine cognition, but between raw data, AI-generated outputs, and legally attributable knowledge. The chapter concludes that future disputes will turn increasingly on information governance, accessibility, escalation, and traceability.
Reference Key
openalex_W7213435800 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/9780198953586.003.0007
URL
https://doi.org/10.1093/law/9780198953586.003.0007
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