Material Circumstance

Material Circumstance

Examples of what might be a Material Circumstance will vary from business to business and according to the type of policy and might include:

• Claims and loss history
• Losses or incidents where claims were not made
• Criminal (non-motoring) Convictions
• Significant adverse credit history such as a CCJ
• Previous declinature by insurers to provide cover
• Property construction
• Whether the property is unoccupied
• Planned building works
• Housing benefits/Income support
• History of vandalism or squatting
• Previous fires or damage at the property
• Injuries to members of the public
• Signs of subsidence or similar conditions
• Types of goods stored e.g., Hazardous or Flammable
• Types of processes undertaken
• Driving license endorsements
• Fixed penalty notices
• Changes to your address
• Changes to any insured vehicle, including security, modifications, use or annual mileage
• Potential change in the territories in which your services are provided
• Anticipated significant increase in your fee income
• Airside or waterborne activities
• Vehicles carrying hazardous substances
• Employee disputes
• Theft or fraud by an employee
• Claims made against a director or trustee, even if in connection with a different organisation
• A motor accident/claim under a different policy
• Accusations of misleading advice or design
• Statutory Prosecutions
• Motor convictions that you or any other insured driver have received
• Criminal convictions or pending prosecutions for any driver to be covered.
• HSE Investigations or Prosecutions
• A potential change in your business activity
• Acquiring another company