Who's footing the bill?

When the Association of British Insurers (ABI) published its new guidance on non-disclosure in January this year, many were hoping that the industry had finally cracked the old consumer trust chestnut. The guidelines were designed to reduce the number of declined protection claims, ensuring that customers are treated fairly if they make a genuine mistake when filling out their application forms. To achieve this, non-disclosure was divided into three categories: 'innocent', 'negligent' and 'deliberate or without any care'. Innocent non-disclosure will lead to a full payout, while neglige...