Page 92 - CFPA-SCR-Award in General Insurance W01_2018-19_Neat

5/14 W01/March 2018 Award in General Insurance

Question answers

5.1 The notification for the change is immediate. However, all actions depend on the policy wording in question.
5.2 Occupancy, previous loss record, previous insurance record, heating arrangements.
5.3 It is likely that the courts would support the insurer’s right to refuse liability under the contract due to non-
disclosure of a material fact.
5.4. No, because the driver is the policyholder and cannot claim against themselves for negligence. If they wished
to claim under the personal accident section of the policy, the insurer would refuse to deal with this claim
because of the deliberate recklessness.

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Chapter