19th June 2026

Practical Protection Podcast - Underdisclosure

Hi, everybody, we are on the last episode of Season 11 and I’m focusing on overdisclosure. There is a lot of discussion in our industry about underdisclosure or non-disclosure, but not a lot of focus is put on the times when people tell insurers too much.

It is essential that you answer insurance applications truthfully and to the best of your knowledge, but you don’t need to volunteer information that the insurer doesn’t ask for. It’s one of the reasons why people can be a bit nervous about iGPRs as it does give the insurer a lot more information than they are generally asking for. Insurers are meant to ignore information that is not relevant to the questions that they ask, but that isn’t always the case.

The key takeaways:

• The Consumer Insurance (Disclosure and Representations) Act 2012 means that consumers need to be careful to not misrepresent themselves to insurers, but also explicitly states that consumers do not need to volunteer information to insurers that isn’t asked for
• Insurance for commercial customers works differently as they do not have the protection of CIDRA 2012
• Examples of insurance questions in protection insurance that can lead to both over and underdisclosure

Do you have anything that you want me to cover in Season 12? I will be back soon with deep dives into underwriting and industry insights. 

Listen now

Protection