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United Kingdom
United Kingdom
Key definition
Reinstatement definition What does Reinstatement mean? Reinstatement describes restoring a legal position—such as insurance cover, employment, property condition or court proceedings—to what it was before lapse, dismissal, alteration or strike‑out. It is a descriptive term used across contexts; in employment law its meaning is set out in statute. Insurance: after a policy lapses for non‑payment, many life and protection policies allow reinstatement, typically on paying arrears and interest, satisfying medical/underwriting evidence, and within a stated time limit. Cover usually recommences on reinstatement and will not respond to losses during the lapse. Property policies also use reinstatement for new‑for‑old repair/replacement and to restore an exhausted limit. Employment: an employment...
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Reinstatement Clauses in Property Insurance: Election to Reinstate, Measure of Indemnity, Requirement to Carry Out Works, Intentions and Betterment—Key Principles and Case Law
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LexisNexis Insurance & Reinsurance expert
Practice notes
This Practice Note outlines the key principles on Reinstatement in property insurance.
What is reinstatement?
Reinstatement means repairing or replacing property so that it is restored to its pre-loss condition, or to a state that is materially equivalent. The drafting of reinstatement clauses differs from Policy to policy and can lead to markedly different Outcomes for the policyholder. Depending on the exact wording, the policyholder may or may not receive a cash Settlement, may or may not be obliged to rebuild, and may or may not have to rebuild on the same site. Many policies also give the insurer the option to reinstate.
Who does it?
Typically, the policyholder undertakes the reinstatement. However, numerous policies allow the insurer, at its election, to carry out the reinstatement.
Why might an insurer choose to do so?
Insurers may have several reasons for electing to reinstate themselves rather than allowing the policyholder to do so or paying a sum equivalent to the reinstatement cost. One reason recognised by the courts is to avoid what might be ‘the temptation to an ill‑minded owner to set fire’...
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Web page updated on 21/05/2026
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Date [ date ] Parties [ name of Landlord ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Landlord) [ name of Tenant ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Tenant) [ [ name of Guarantor ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Guarantor) ] [ [ name of Mortgagee ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Mortgagee) ] Definitions Within this Deed, the terms below shall be interpreted as follows: [ Annual Rent • the annual sum reserved under the Lease; ] [ Insurance Rent • the Tenant’s share of the Landlord’s costs of insuring the Property (as set out in the Lease); ] Lease • the lease of the Property dated [ date ], entered into between (1) [ the Landlord OR [ name ...
I, [ name ], of [ address ], solemnly and sincerely state that: [ Matters to be verified, set out in numbered paragraphs ] I make this solemn statement in good conscience, believing it to be true, and pursuant to the provisions of the Statutory Declarations Act 1835. DECLARED at [ details ] this [ day ] day of [ month and year ] Before me ................................................................................ [ signature of the person before whom the declaration is made ] A [ commissioner for oaths OR [ solicitor OR [ insert other qualification ] ] authorised to administer oaths ]...
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