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Petra for Law and Intellectual Property (PLIP)
It is a fundamental principle of insurance law that the utmost good faith must be observed by each party. This rule was stated clearly by Lord Mansfield since 1766, when he said1that: "Insurance is a contract upon speculation..."
Petra for Law and Intellectual Property (PLIP)
Despite the onerous nature of the duty of disclosure upon the insured, the situation is ameliorated somewhat by some seven categories of facts which need not be disclosed to the insurer.
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