I am sorry but I cannot give you good news. I'm afraid you are in difficulty here.
I have to tell you thetruth.
I am sorry but it wouldbe wrong of me to avoid giving you the downside of your
The difficulty with this is that this is a relevantnon disclosure allowing them to cancel your policy on the basis that it isinvalidated.
Innocent misrepresentations do not always have thateffect but I don't see how you could argue this could be innocent I'm afraid.
You could try to negotiate with them. Sometimes theywill just let you pay the increase premium between the amount that you wouldhave been charged in the amount that you were charged but that really dependsupon whether there's a claim and what the amount is and whether they're willingto exercise discretion in your favour
I am sorry but I can only tell you the truth.
Do remember that I can only give you myopinion.
Another lawyer may have a different opinion.Litigation needs at least 2 parties and neither goes to court expecting tolose.
Nonetheless, one of them does, even thoughthey have been told by their respective legal advisers that they have a goodchance of success.
If there was a black-and-white answer toevery legal problem there would be no need for anything to ever proceed tocourt.
The ultimate decisioncomes from a county court judge in a civil case or from the magistrate in acriminal case heard in the magistrates court or the jury in Crown Court.
Hopefully, Ihave answered your query in a way that is simple and easy to understand. Ifanything remains unclear, I will be more than happy to clarify it for you. Inthe meantime, thank you once again for using our services.