The insurer will not be deemed to have waived compliance with the duty of disclosure in relation to a question included in a proposal form about a matter when:

Question

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If the insured gives an untrue answer, the insurer will not be deemed to have waived compliance with the duty of disclosure. The insurer can reject a claim or void the policy in case of non-disclosure or misrepresentation of facts. However, if the insured fails to answer a question, gives an incomplete answer or an irrelevant answer, the insurer may be deemed to have waived compliance with the duty of disclosure.

The Insurer Will Not Be Deemed to Have Waived Compliance