It depends whether your policy is a ‘consumer insurance contract’. That is, a policy obtained for the ‘personal, domestic, or household purposes of the insured’, or the insurer has nominated it as a ‘consumer insurance contract’.

If the policy is a ‘consumer insurance contract’ entered into after on or after 5 October 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.

Relevant information could include any alterations you’ve made to your car, such as adding:

• A new sound system
• Special wheels
• A security system

If you breach your duty of disclosure or make a misrepresentation, your insurer might try not to pay you, although often with our help you can fight to receive your full entitlement.