Common Insurance Questions and Answers

Q. Should I tell the insurer everything? They haven't asked me a question I thought they would.

A. You must disclose anything that could affect the insurer's decision to insure you, or could affect the price they offer you.

In law, it's your responsibility to provide any relevant information, without being asked for it specifically.

You are best to tell the company everything you think could be relevant.

Q. Can an insurer refuse to pay my claim if I give them incorrect information?

A. Yes. Usually a policy will state that incorrect or false information will invalidate the claim. The insurer may also cancel your policy completely and make it harder for you to get insurance cover in future.

Q. I included items in my claim for a burglary, that weren't really stolen. What can the insurer do?

A. If you provide false information your whole claim can be declined and your policy cancelled. It is also possible a criminal charge of fraud may be laid against you.

Q. My circumstances have changed since the policy began - do I have to tell the insurance company?

A. Yes.

Q. I have money from an insurance company. They have found out I didn't give them full information at the start of the policy. This was an honest mistake on my part at the time - I just forgot all about something. What can the insurer do?

A. They will request you return the money or take you to court to recover it. It does not matter that your mistake was "honest".