If your policy is a ‘consumer insurance contract’ entered into after on or after 5 April 2021, you have a duty to take reasonable care not to make a misrepresentation to an insurer when you take out or renew your insurance policy. That includes a duty to truthfully answer questions they ask.

Otherwise, you also have to tell the insurer anything that might be relevant to whether they will cover you. This is called a duty of disclosure. If you don’t, your insurer might try not to deny your claim, although often with our help we can ensure you receive payment.