When you take out an insurance policy, you have a duty of disclosure, and failing this can lead to an allegation of non-disclosure in insurance. This means you must provide all relevant information truthfully to the insurer. But when is an insurer’s reliance on non-disclosure actually justified? And what are the consequences for your […]
Have you suffered loss but only notified your insurer after some time? A late notice of loss is one of the most common reasons for insurers to reject a claim. Many insured persons are not fully aware of the strict time limits set out in the policy terms and conditions. When you are […]
The burden of proof in insurance fraud is one of the most decisive factors in disputes between policyholders and insurers. When an insurer accuses you of fraud and denies your claim on that basis, the question immediately arises: who must prove what? Must you demonstrate that you did not commit fraud, or must the insurer prove that you did […]
When your claim is denied after a damage assessment by the insurer, it is a frustrating experience. You have suffered damage, you have submitted your claim properly and the insurer has conducted an investigation. Then you receive the notification that your claim has been denied. The reasons can range from alleged fraud to failure to meet the […]
When your claim is rejected due to non-disclosure, it feels like a slap in the face. You paid premiums, suffered loss and counted on the payout you believed you were entitled to. But the insurer rejects your claim on the ground that, when taking out the policy, you failed to provide relevant information or provided it incorrectly […]
