In this episode, we explore the Third Parties (Rights Against Insurers) Act 2010, which empowers third parties to claim directly against an insurer when the insured is insolvent or otherwise unable to meet liabilities. The episode breaks down how the Act simplifies the claim process for third parties, removing the need to first establish the liability of an insolvent insured before accessing insurance funds. We discuss the criteria for claims, the protections offered to insurers, and the implications of the Act on corporate insolvencies and insurance coverage. This episode highlights case examples illustrating the practical applications and limitations of the Act in UK insurance law.