We’ll only decline a claim for misrepresentation after we’ve looked into the claim in detail, and it’s clear misrepresentation affects the claim being made.
We understand that in many cases misrepresentation can be accidental. But sometimes people can deliberately choose not to disclose information, whether that's to secure cover or reduce their premium. If we had this information from the outset we may not have been able to offer cover, or it might have impacted the terms we offered.
We may request medical evidence to validate a claim.