Basis clauses : a practical guide to basis clauses in insurance contracts

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      <subfield code="a">A basis clause is a declaration contained in either a proposal form (if  submitted) or insurance policy that certain representations made by the insured (including answers given in a proposal form and any other information supplied) are true and accurate. This declaration is, by operation of the basis clause, incorporated into the policy as a  warranty given by the insured. Basis clauses in insurance contracts may enable insurers to disclaim liability under a policy where there is  any inaccuracy in a proposal form or other underwriting information, no matter how trivial. As the inaccuracy will usually arise prior to the inception of the policy, in practical terms, the result may be that cover never attaches so that insurers are never on risk. Such clauses give insurers significant additional protection over and above the duty of disclosure owed by insureds. Although the effect
of basis clauses can be very harsh, they are often not well understood by policyholders</subfield>
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