What terms of indemnity insurance prevents you from taking it on if you've spoken to the council?

NickB2017

test test test

davidmcn

NickB2017 wrote: »

[the wording is near identical to this policy wording: https://www.groundsure.com/wp-content/uploads/2015/10/Groundsure-Environmental-Insurance-Policy-Summary-Oct2015.pdf ]

I can't see how this would apply to me before I signed the policy. Or perhaps it does?

Is there other wording in other policies that perhaps explicitly refers to the policyholder not contacting the council in x months prior to the policy being written?

From the policy you've linked to, see exemption 1(d):

1. Claims arising from the following are excluded:

d. any communication with an enforcing authority, before the policy commencement date, not previously approved by the underwriters

It may also have been a question in the proposal form.

davidmcn

NickB2017 wrote: »

There is also no proposal form to my knowledge. The intention was to simply add us as the insured to a block bordereaux policy. We wouldn't even be issued an individual indemnity policy.

Well, I can't advise you about the conditions of the policy if I can't see them...but I'd be surprised if prior contact with the council wasn't somehow covered. The wording you've quoted probably does anyway, even if it doesn't explicitly say "before or after the policy date".

G_M

NickB2017 wrote: »

....
I can't see how this would NOT apply to me before I signed the policy. [STRIKE]Or perhaps[/STRIKE]I'm sure it does?

Common sense really. A bit as if you went to your GP with a problem, he refered you to a oncologist who diagnosed cancer.


Then you took out a private health insurance policy to cover cancer.