... having worked for an insurance software house, and gone through various industry training, I think I should point out something.
Insurance is unlike many other areas ... in that if you neglect to mention something that is (or even might be) important in quoting for your policy, then they are perfectly within their rights to say that the policy is invalid. So if ten years from now an aircraft lands on your house, they can come around, see the garage/tree/whatever and say "sorry, you didn't tell us about that, so you never had a valid policy, we don't have to pay you, nyah nyah!"
The burden of evidence and proof is on you, and ignorance/error/honest mistake doesn't really come into it.
(If I'm wrong about this, I'm sure someone will be along in a minute to correct me!)
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robinbloke) wrote2006-01-20 02:38 pm
Good luck .. however ...
Insurance is unlike many other areas ... in that if you neglect to mention something that is (or even might be) important in quoting for your policy, then they are perfectly within their rights to say that the policy is invalid. So if ten years from now an aircraft lands on your house, they can come around, see the garage/tree/whatever and say "sorry, you didn't tell us about that, so you never had a valid policy, we don't have to pay you, nyah nyah!"
The burden of evidence and proof is on you, and ignorance/error/honest mistake doesn't really come into it.
(If I'm wrong about this, I'm sure someone will be along in a minute to correct me!)