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.
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