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Our underwriting approach makes the application process easier for you and your clients


Underwriting misrepresentation

We’d prefer to be able to pay all claims but if we don't run a responsible policy, then we’re not being fair to our members and other customers.

Why we can't pay all claims

We’ll only decline a claim for misrepresentation once we’ve looked into it in detail and only where it’s clear that the misrepresentation affects the claim being made. In many cases, misrepresentation can be accidental, but sometimes people can be deliberately dishonest to try to save money on their premium.

We may request medical evidence to validate a claim.

An example

When Tina* applied for a Personal Sick Pay policy, the only pre-existing medical condition she declared was asthma, and she was offered a policy at standard rates.

She contacted us a month later to advise she was having a hysterectomy. Her medical evidence showed a long history of gynaecological issues, and also showed that she was already on the waiting list for surgery when she applied for her policy. Tina therefore must have known about this when applying for the policy, and must have deliberately not answered ‘yes to any of the questions relating to gynaecological issues and awaiting further treatment. This was classed as a case of misrepresentation.

*This is a real claim example 2019, however the name is for illustrative purposes to protect the identity of our customers.

0800 678 1893

TextDirect: first dial 18001

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Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK