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It seems that a many consumers will sign anything that is put in front of them. Now you can get away with this to a point, but what are the consequences when it comes to insurance?

Over the past number of years, insurance proposal forms have transformed into pre-printed documents based on the details which were given over the phone or via the internet.

In some cases the consumer is asked to sign this document but in many cases this is a ‘statement of fact’ document, which does not require a signature from the consumer at all.

So when the policy documents arrive in the post, they are thrown on top of the fridge, or behind the microwave, or in that press where all things financial are sent.

Then, a few months later, you need to claim.

But now there is a problem.


Because you have made a false declaration to the insurer. What do I mean?


In the course of arranging home insurance, you may be asked if you have ever had a claim on home insurance before? This is a black and white question but for some reason, many people will answer NO to this question when the answer should have been YES.

Consumers often think:

– Well, I had a claim a few years ago but it was only for a couple of hundred €uro.

– Or, I have had a claim but it wasn’t at this house – it was for a holiday home or an investment property.

Lessons here are:

1. Always read the proposal form & make sure all details outlined on the proposal form are 100% correct. If something is not right then you need to contact your broker/insurer and get confirmation of the amendment in writing.

2. Try to read your policy document. It contains many detailed terms and conditions including things which you have agreed to do throughout the life of the policy.

If you would like a quotation, please call us on 049-4332944, e-mail or complete our online enquiry form.

Disclaimer: The material contained is this article is for general information purposes only and does not constitute professional advice.

James Martin
James Martin
James Martin has 16 years of experience as a general insurance broker. He is a member of the Chartered Insurance Institute and has completed a Diploma in Corporate Finance.

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