It seems to me that there are two reasons why a claim may be refused:
1. Because of a failure to disclose a fact which would influence a prudent insurer whether to accept the risk for the premium; and
2. Because the particular loss is not covered by the policy.
In the first instance the policy is void. In the second instance the policy is not void but the loss is not covered.
In some of the instances cited above I am unclear which of these possible causes gave rise to the avoidance of the claim. I would find it helpful to understand this. Insurers cannot arbitarily refuse a claim; they have to have a sound legal reason.
I certainly agree with the basic advice which is to make full disclosure to insurers of the risk. eg the spec of the car and the circunstances of the driver(s); and secondly to read the policy documentation carefully. |