18 criminal convictions, no clean slate

Answer all questions accurately when you apply for insurance, including any criminal convictions, bankruptcy.

18 criminal convictions, no clean slate

David’s* claim following a burglary wasn’t even considered as his whole policy was cancelled after the insurer discovered David’s 18 criminal convictions. An insurance policy is a legal contract, both parties have to act in good faith, including disclosing anything “material” to the proposed insurance. This means anything that might alter the terms of cover or premium from the beginning - the duty of disclosure. David answered “no” to a question about criminal convictions. David argued the Clean Slate Act 2004, which can give some people the right to withhold information about criminal convictions in some circumstances, applied. But the non-disclosure occurred before the Act commenced.

Complaint not upheld.

*Names have been changed.

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