consumer — the individual who enters into a consumer insurance contract, or proposes to do so Section 1

consumer insurance contract — a contract of insurance between— an individual who enters into the contract wholly or mainly for purposes unrelated to the individual's trade, business or profession, and a person who carries on the business of insurance and who becomes a party to the contract by way of that business (whether or not in accordance with permission for the purposes of the Financial Services and Markets Act 2000) Section 1

insurer — the person who is, or would become, the other party to a consumer insurance contract Section 1

Reduce proportionately — that the insurer need pay on the claim only X% of what it would otherwise have been under an obligation to pay under the terms of the contract (or, if applicable, under the different terms provided for by virtue of paragraph 6), where— Schedule 1, Part 1, paragraph 8