Which requirement of the Insurance Act 2015 is applicable to both consumer and non-consumer contracts?

The requirement of the Insurance Act 2015 that is applicable to both consumer and non-consumer contracts is insurers' remedies for fraudulent claims. This provision addresses the actions an insurer may take when a policyholder submits a fraudulent claim. It applies universally regardless of the type of insurance contract, ensuring that insurers retain the right to deny claims and void policies when fraud is involved. This principle is crucial for maintaining the integrity of the insurance market, as it protects insurers from financial losses associated with fraudulent activities.

While the other options address specific aspects of insurance law, they are primarily differentiated by whether they apply to consumer or non-consumer contracts. For instance, the pre-contractual duty of disclosure is more rigorously enforced in consumer contracts to protect less experienced policyholders, who may not fully understand the need to disclose certain information. Similarly, remedies for misrepresentation and the effect of policy warranties have nuances that frequently distinguish consumer contracts from non-consumer contracts. Thus, the remedies for fraudulent claims stand out as the provision with universal application.