1.The issues which has to be considered in this case is that a false information has been provided by the clients in relation to the car. Section 652 of the Insurance Act provides that for the purpose of a formation of a contract of insurance it is necessary for the clients to provide all necessary facts related to the property which is being insured. Thus in this case the major issue is the actual owner in an adult who is not named in the insurance thus this leads to the concealment of material facts.
2.In the given case it was the duty of Mr. White to inform that there was no alarm system in place while the policy was been taken. However it is not a material fact which has been not disclosed by Mr. White. It was the duty of the insurer to ask Mr. White whether they had an alarm system or not. In such case Mr. White could not force the honor claim.
3.In the given case if the staff insurer would have notified the insured to start the repair work the insurer would have been liable to the claim. However as in this case there was no expressed or implied act which signified that the repair was allowed by the insurer a claim cannot be made
4.FIVE benefits of an insurer obtaining reinsurance to further spread their financial risk are
Insurance Act 200
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