Insurer voided your policy?
Non-Disclosure Claim Rejection — UK Rights
Under CIDRA 2012, UK insurers can only void for deliberate or reckless misrepresentation. Know your rights before you accept the rejection.
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The short answer
CIDRA 2012 splits non-disclosure into three categories: honest and reasonable (claim must be paid), careless (proportionate remedy), and deliberate/reckless (insurer can void). Insurers often default to voidance; the FOS frequently reduces this to a proportionate remedy.
Frequently asked
- What is a proportionate remedy?
- The insurer pays the claim reduced by the percentage that premium would have increased had they known the true facts.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.