SCI ComGI Practice Questions - SCI Commercial General Insurance (ComGI) Examination Exam

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Under the Consumer Insurance Contracts Act 2019 (CICA) in Ireland, what pre-contractual duty of disclosure applies to a consumer?

The consumer must answer all specific questions asked by the insurer honestly and with reasonable care. The consumer must volunteer every material fact that a prudent insurer would want to know. The consumer has no duty of disclosure whatsoever and the insurer must investigate everything. The consumer must only disclose facts that would increase the premium by more than 10%.

Correct Answer:

The consumer must answer all specific questions asked by the insurer honestly and with reasonable care.

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