The Insurance and Financial Savings Ombudsman has rejected a complaint from an insured after he was turned down for cover for his property following a fire.  The insurer turned down the claim on the basis that the insured had failed to tell it that the property was in a dilapidated state and that there was a dangerous building notice out on it.  The evidence was that if the insurer had known about the dangerous building notice and the state of the property it would not have offered insurance over the property.

The insurer was entitled to decline the claim for non-disclosure of relevant and material facts.

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Alan Knowsley
Insurance Lawyer