Insurance companies tell us the importance they attach to the information on our insurance proposal forms. Well guess what? They mean it! As the claimant in Genesis Housing Association Ltd v Liberty Syndicate Management Ltd  EWCA Civ 1173 (04 October 2013) found.
In that case the claimant had taken out insurance to cover the work of a contractor named in the proposal form. In fact the contractor that did the work was another similarly named company.
The court had no problems disposing of the notion that the insurance proposal was not part of the insurance contract.
Which had been a contract to insure another contractor not the one who did the work so no surprises…….the claimant was not awarded any insurance pay out.
If all material facts aren’t correct (and all material facts disclosed) in the proposal form your insurance’s probably not worth the paper its written on.