cat d,c

[imax]

are you aware that insurance contracts are not "buyer beware", but "utmost good faith"? You must declare all facts that a reasonable/prudent underwriter would want to be able to consider when choosing whether to accept a risk, or the premium to charge.

Not any more. The Consumer Insurance  (Disclosure and Representations) Act 2012 came into force on 6 April and changed the onus from 'utmost good faith' to 'reasonable care not to make a misrepresentation'. (2.2 & 2.5a) The standard of care required is that of a reasonable consumer. (3.3)

Exactly how these changes will affect the process of taking out insurance and your rights in the event of a challenge to a claim will no doubt be tested in time, but the changes are designed to protect consumers from claims being voided so easily by insurers.