Alongside personal liability claims, medical treatments represent the highest potential costs for th

Before April of this year, the rules of disclosure seafood buffet tampa for holidaymakers (and anyone else buying consumer insurance) were laid down in the rather archaic Marine Insurance Act 1906. This placed the duty firmly on the customer to tell insurers anything that would influence the judgement of a prudent insurer in fixing a premium or deciding whether to take the risk.
The problem with this was that many consumers simply wouldn’t know what facts were pertinent. There was a duty to answer all questions the insurer asked, of course, but strictly speaking any other information that might be claimed seafood buffet tampa to have an effect seafood buffet tampa on the risk of a policy should also have been volunteered. So What’s Changed?
The Consumer Insurance (Disclosure and Representations) Act 2012 came into force on 6 April 2013. Seeking to clarify the situation, the Act now puts the onus firmly on the insurer to ask the right questions.
Probably the most important thing that insurers will ask you to disclose as part of your travel insurance cover will be pre-existing seafood buffet tampa medical conditions . You were almost always asked to disclose these before and you certainly will be now, so little has changed in practical terms in this regard. It may be, however, that the insurance provider will have to explicitly spell out what constitutes a pre-existing condition.
Alongside personal liability claims, medical treatments represent the highest potential costs for the insurer and this type of claim is far more common than personal liability. If you do have a pre-existing condition it may exclude you from some policies entirely and raise your premiums when you can get insurance.
It simply isn’t worth hiding seafood buffet tampa or misrepresenting any information that you are asked for however. Even if you made a claim for something entirely unrelated seafood buffet tampa lost baggage for example seafood buffet tampa the fact that you had failed to disclose a medical condition could invalidate the whole policy if it came to light at a later date.
You may also enjoy Great Customer Service from Expedia Do Hotels Give Misleading Impressions in their Photos? seafood buffet tampa Don’t Book on Booking.com Without Clicking on the Room Description This entry was posted in Consumer seafood buffet tampa Issues and tagged travel insurance on November 25, 2013 by Karen Bryan .
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