(1) A person provides a claims handling and settling service if:
(a) the person makes a recommendation, or states an opinion, in the following circumstances:
(i) the recommendation, or statement of opinion, is made in response to an inquiry by or on behalf of another person about an existing or a potential claim by the other person under an insurance product;
(ii) the recommendation, or statement of opinion, could reasonably be expected to influence a decision whether to continue with the existing claim or to make the potential claim; or
(b) the person assists another person to make a claim under an insurance product; or
(c) the person represents a person insured under an insurance product in pursuing a claim under the product; or
(d) the person assesses whether an insurer has a liability under an insurance product, or provides assistance in relation to such an assessment; or
(e) the person makes a decision to accept or reject all or part of a claim under an insurance product; or
(f) the person quantifies the extent of the insurer's liability to another person under an insurance product, or provides assistance in relation to the quantification of the extent of such a liability; or
(g) the person offers to settle all or part of a claim under an insurance product; or
(h) the person satisfies a liability of the insurer under an insurance product in full or partial settlement of a claim under the insurance product.
(2) For the purposes of this Act, a claims handling and settling service provided in relation to an insurance product is to be treated as having been provided to the insured under the insurance product (who may be a person insured as a third party beneficiary under the contract of insurance that constitutes the insurance product, within the meaning of the Insurance Contracts Act 1984 ).