Riders on the Storm: Wales,the Union,and Territorial Constitutional Crisis

The United Kingdom continues to undergo a rapid process of constitutional change, with an ongoing redistribution of law‐making and governmental powers to different parts of the Union under an expanded rubric of ‘devolution'. This article illuminates a pervasive sense of territorial constitutional crisis and opportunity in the most recent period, familiarly associated with, but not confined to, Scotland. Constructive and flexible federal‐type responses inside a famously uncodified constitution are championed. Wales, commonly treated as a junior partner in the United Kingdom, presents special challenges for constitutional and legal analysis and distinctive perspectives on the Union which have not received the attention they deserve. In tackling this deficiency, the article elaborates a ‘new Union’ concept of a looser and less hierarchical set of constitutional arrangements in which several systems of parliamentary government are grounded in popular sovereignty and cooperate for mutual benefit.     

‘That wicked rule,that evil doctrine … ’: Reforming the Law on Disclosure in Insurance Contracts

The Consumer Insurance (Disclosure and Representations) Act 2012, which abolishes the consumer assured's duty to volunteer information, heralds the first successful outcome of the English and Scottish Law Commissions current insurance contract law reform project. This paper outlines the defects of the common law duty of disclosure which the Law Commissions sought to address. It goes on to consider why previous legislative attempts failed, the self‐regulatory measures introduced by the insurance industry as a means of resisting earlier pressure for statutory intervention, and how that resistance broke down. Finally, it examines the scope of the 2012 reforms and the current consultation being undertaken in respect of the duty of disclosure in relation to business insurance. It concludes by assessing the significance of the statute in providing a necessary impetus for future insurance law reforms.     

Review, Revenge and Retreat

The article deals with a wide-ranging legal and political conflict of considerable constitutional significance, the attempt by UK ministers to restrict formal challenge of asylum decisions using a variety of devices and the fierce and partly successful opposition that this engendered. The article examines the legal and administrative roots of the controversy; the anatomy of the government's generalised counter-attack or 'revenge package'; the main juridical elements in the resulting public furore; and the character of the government's eventual retreat. In so doing, it raises, and elaborates on, a series of linked themes: the powerful dynamics of judicial review in this policy domain; the historical sense of a gathering storm in relations between ministers and judges; the practical interplay of rule of law arguments with developments in common law constitutionalism; and an expanded role for legal elements in the political process.     

Lessons from urban risk assessments in Latin American and Caribbean cities

This paper draws on the results from a recent World Bank-funded project designed to inform policy-making and climate change adaptation planning in small and medium-sized cities in Latin America and the Caribbean. The focus was on floods and landslides, which are the two most common climate-related risks in cities across the region. The project allowed the application of the Urban Risk Assessment (URA) tool developed by the World Bank and the drawing of valuable lessons which may also be applicable to the many methods and tools available for climate change adaptation planning in the rapidly urbanising cities of developing countries.     

The New Model Wales

The United Kingdom is currently undergoing a rapid process of fundamental constitutional change. One of the chief developments is a redistribution of law-making and governmental powers to different territories of the Union. It is a programme of devolution, as befits an unwritten constitution characterized by the doctrine of parliamentary sovereignty, and not federalism. The case of Wales, historically closely integrated with England,1 presents here its own challenges. The aim of this article is to examine the process of change for Wales, to explicate and critically assess the Welsh scheme of devolution, and to consider possible future development in a broad legal and constitutional setting.     

Insurers, Claims and the Boundaries of Good Faith

This article examines the refusal of the English courts to award damages for consequential losses following unreasonable delay on the part of insurers in settling a claim. This has the potential to give rise to dire consequences for insureds. These difficulties have been addressed in North American jurisdictions where the concept of good faith has been developed and applied as a means of both compensating insureds and regulating the conduct of insurers. However, a hallmark of English law is that it fails to draw a bright line between the law of contract and the law of contracts. As a result, the policy issues that should inform insurance contracts are excluded by virtue of the notion, imported from the law of contract, that the contractual relationship is a matter of private law and is not, therefore, a means for public regulation of insurers.