Each of us must someday contact an insurance company to buy an insurance policy, either for a car, a home, a liability, a life insurance or otherwise.
In all cases, we should not only be searching around for an adequate protection and a reasonable price, but it is also essential to disclose truthfully and fully every relevant facts that may influence an insurer when setting the premium and deciding to cover the risk or not.
Indeed, failure in representing small details can unfortunately have negative consequences whether a disaster occurs. In case of misrepresentations, your insurer may refuse to pay or reduce the indemnity to which you believe you are entitled.
When you complete a form required by your insurer, feel free to ask questions to the representative in order to meet your obligation of representation.