Travel insurance baggage only

DullGreyGuy

user1977 said:

Katiehound said:

If you don't declare medical issues on travel insurance and make a claim for anything you risk getting it rejected as you have omitted a major item and that usually makes the whole insurance null and void.

Can insurers (legitimately) do that? I thought they couldn't where it was something irrelevant to the claim.

Law changed when CIDRA came into force. Any deliberate or reckless false declaration can give the insurer grounds to void the policy irrespective of if its relevant to the claim or if they'd insured had it been declared.

Car insurance has some other considerations though like RTA S151 and so if it were a fault accident they'd still have to deal with the TP losses but then have a right of recovery against both the driver and the policyholder. As per the person in the Motor section who has a £98k bill for voiding their Mum's insurance and having an accident.

lisyloo

user1977 said:

Katiehound said:

If you don't declare medical issues on travel insurance and make a claim for anything you risk getting it rejected as you have omitted a major item and that usually makes the whole insurance null and void.

Can insurers (legitimately) do that? I thought they couldn't where it was something irrelevant to the claim.

From the moral point of view why should they trust you on anything if you have definitely lied?
That's different to declaring a medical condition and having it excluded.
Having insurance cancelled is really bad as you have to declare it (deliberate misrepresentation) forever, so you are forever branded a liar.