Insurance - Waiver Or Affirmation? 3816762268780510832-blid-5905731415653536635

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The only remedy available to the insurer in the event of material non-disclosure or misrepresentation is the avoidance of the policy of insurance. It must then return the premium to the assured and parties will be returned to the status quo. Frequently, the insurer or its solicitors will write to the assured and state in simple terms that the contract of insurance is avoided and will then list the grounds on which the avoidance is based.