An insured had insurance for damage by his tenants.  He discovered that the tenants were causing intentional damage.

On checking with his broker, he was told his policy was only for accidental damage not intentional damage.

He upgraded his policy to cover both accidental and intentional damage.  A week later the intentional damage was “discovered” and a claim made.  He neglected to tell the insurer he had first noticed the damage before upgrading the policy.

The claim was declined due to his dishonesty.  The insurer’s refusal of the claim was upheld by the Insurance and Financial Savings Ombudsman because the insured’s claim was not complete and correct.

Insurers often enter the names of dishonest insureds on to a central register, so all insurers know about the claim resulting in a complete inability to take out any insurance from then on.

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