Several key providers of life insurance, critical illness insurance and income protection insurance in the UK have agreed with Association of British Insurers standards regarding paying out on claims .
When consumers have genuinely accidentally failed to provide their full medical details, insurance companies will pay customers a fair sum to reflect the risk and the level of premiums paid.
The ABI said that when an exceptional case arose, in which the insurance company would not have taken on the policy if the full facts had been included, the policyholder would be refunded premium payments .
In 2007, the insurance industry came under fire from the Law Commission for their complex application process, that could leave consumers vulnerable to claims of non-disclosure.




