[access-uk] Re: Travel insurance

Yes, Andy, my advice would always be to declare it.  This is because an
insurer may seek to void a claim if a circumstance came to light of which
the insurer was unaware, even if it wasn't strictly relevant to the circs of
the claim.  It's because an insurance contract is known as a contract that's
known as  "Uberaba fidei" (of the utmost good faith).  You just don't want
to get into the area of having that debate, and disclosure of the condition
of blindness, hasn't, in my experience, affected premiums.  Better to tell
them now )when they want the business) than when you're fighting about a
claim. 
 
Richard Godfrey-McKay
Telephone: 01738-445 880
Mobile: 07791 452 593
 


  _____  

From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf Of
ANDY COLLINS
Sent: 27 January 2010 23:06
To: access-uk@xxxxxxxxxxxxx
Subject: [access-uk] Travel insurance


Hi all -
 
All the times I've travelled abroad, I've never declared my blindness on any
insurance form, it's not been asked for, but a friend mentioned that perhaps
I should make this known to insurers as they could use it as a loophole if I
needed to make a claim. Wonder what others think or do in respect of this.
Be interested to hear, and to also learn which insurers people prefer if
any, especially if claims have been submitted.
 
Thanks -
 
Andy


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