You are responsible for providing accurate and complete information, which insurers require in connection with any request for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose any information when asked, this could invalidate the policy and mean that claims may not be paid. You should check all details on any proposal form, statement of Insurance or Statement of Fact and pay particular attention to any declaration you may be asked to sign.

Data Protection Act 1998

Insurance Brokers and Insurers alike place a great importance on the confidentiality of their client’s records, in both paper form or electronic data. Under the terms of the Act they are not allowed to release any information they may hold on record concerning an individual or their policy to anyone other than themselves, ‘the Insured.’

The only exception is if the information is required to be given by law to the authorities, i.e. Police. If a policyholder wishes another party, for example their Partner, Son, Daughter or Managing Agent, to have access to their details or policy and to be able to give instructions on their behalf, then they must give specific written instructions to this effect.