handle claims promptly and fairly;
provide reasonable guidance to help a policyholder make a claim and appropriate information on its progress;
not unreasonably reject a claim (including by terminating or avoiding a policy); and
settle claims promptly once settlement terms are agreed.
in relation to contracts entered into or variations agreed on or before 5 April 2013, for:2
under a ‘life of another’ contract, the warranty relates to a statement of fact concerning the life to be assured and, if the statement had been made by the life to be assured under an ‘own life’ contract, the insurer could have rejected the claim under this rule; or
the warranty is material to the risk and was drawn to the customer's attention before the conclusion of the contract.
the consumer made the misrepresentation in breach of the duty set out in section 2(2) of the Consumer Insurance (Disclosure and Representations) Act 2012 to take reasonable care not to make a misrepresentation to the insurer; and
[Note: section 4 of the Consumer Insurance (Disclosure and Representations) Act 2012.]