An applicant for insurance has a duty to disclose only what the insurer asks for.

Question

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An applicant for insurance has a duty to disclose all material facts that could affect the insurer's decision to accept or reject the application or set the premium rates. This duty is known as the principle of utmost good faith or the duty of disclosure. The applicant must ensure that all information provided is accurate and complete, regardless of whether the insurer specifically asks for it. Failure to disclose material facts can result in the policy being voided, and the insurer refusing to pay any claims made under the policy.

An Applicant for Insurance Has a Duty to Disclose Only