Insurers will find any reason to decline a claim. Many consumers believe that, and it’s certainly true that insurers have been found to have rejected claims without the necessary justification — last year 29% of complaints lodged against insurers by their clients were resolved by the Ombudsman of Short-Term Insurance either totally or partly in the consumers’ favour.

But clearly many claims are rejected on solid grounds, ranging from misrepresentation and failing to abide by the terms — such as fitting a car tracking device or arming an alarm system — to dishonesty...

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