What is misrepresentation?

For protection policies only

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Misrepresentation, formerly known as non-disclosure, is where the policyholder doesn’t give us all the relevant information when they complete their application.

There are three types of misrepresentation:

  • Innocent – the policyholder has acted honestly and reasonably in all circumstances. A reason for this type of misrepresentation could be that they didn’t include the information because the question on the application form was misleading or ambiguous. In these cases we’d pay the claim in full.
  • Careless – the policyholder hasn’t taken reasonable care when completing their application form. In these cases, we’ll take into account the misrepresented information and assume we’d been told about it at the start. We’ll then work out how much cover the price paid would have bought if we’d known.
  • Deliberate or reckless – the policyholder has knowingly or fraudulently given false information, or has acted without any care at all as to whether the information was correct or relevant to an insurer. In these cases we’ll decline the claim.