The short answer
CIDRA 2012 replaced the old duty to disclose with a duty to take reasonable care not to misrepresent. Insurers must ask clear questions. Remedies depend on whether the misrepresentation was honest, careless, or deliberate/reckless. Honest mistakes mean the claim is paid in full.
Frequently asked
- Does CIDRA cover commercial policies?
- No — business cover is governed by the Insurance Act 2015.
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