With providers taking a tougher stance on non-disclosure and more intermediaries submitting business electronically, should the industry introduce guidelines regarding when and if a client signature is required?
Market views Reidy Flynn, The FOS With electronic applications, customers need clear information about the questions the insurer has asked and a copy of any declarations they have signed. Intermediaries do not assist their clients if they summarise questions or put them into simplified English - such actions increase the possibility of a serious mistake. Complainants regularly tell the FOS they were only asked if they were in good health. Intermediaries should never advise a client about what should be disclosed. It is good practice for customers to be given a paper copy of an appli...
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