Misrepresentation, Concealment or Fraud Sample Clauses
The Misrepresentation, Concealment or Fraud clause defines the insurer’s right to deny coverage or void a policy if the policyholder provides false information, withholds material facts, or engages in fraudulent behavior during the application or claims process. In practice, this means that if an applicant lies about their health history or omits significant details relevant to the risk being insured, the insurer can refuse to pay claims or cancel the policy altogether. This clause serves to protect insurers from dishonest conduct and ensures that all parties provide accurate and complete information, thereby maintaining fairness and integrity in the insurance contract.
Misrepresentation, Concealment or Fraud. This entire policy is void if, whether before or after a loss:
a. An insured has willfully concealed or misrepresented:
1) any material fact or circumstance concerning this insurance; or
2) an insured’s interest herein.
b. There has been fraud or false swearing by an insured regarding any matter relating to this insurance or the subject thereof.
Misrepresentation, Concealment or Fraud. There is no coverage, whether before or after a loss;
a. if an insured has willfully concealed or misrepresented:
1) any material fact or circumstance concerning this insurance; or
2) an insured’s interest.
b. if there has been fraud or false swearing by an insured regarding any matter relating to this insurance or the subject of this insurance.
Misrepresentation, Concealment or Fraud. This coverage is void as to "you" and any other "insured" if, before or after a loss:
Misrepresentation, Concealment or Fraud a. We do not provide coverage to any insured who has, at any time and relating to this insurance:
(1) intentionally concealed, omitted or misrepresented any material fact or circumstance;
(2) engaged in fraudulent conduct; or
(3) made false statements.
b. If we make any payments pursuant to this policy and we later apply this condition, you must indemnify us for all payments made.
Misrepresentation, Concealment or Fraud. We do not provide coverage if, before or after a loss:
a. you or any other insured have willfully concealed or misrepresented:
1) a material fact or circumstance with respect to this insurance; or
2) their interests herein; or
b. there has been fraud or false swearing by you or any other insured with respect to this insurance or the subject thereof.
Misrepresentation, Concealment or Fraud. “We” do not provide coverage for any “insured” if, before or after a loss:
a. an “insured” has willfully concealed or misrepresented a material fact or circumstance that relates to this insurance or the subject thereof; or
b. there has been fraudulent or false swearing by an “insured” with regard to a matter that relates to this insurance or the subject thereof. This applies even with respect to an “insured” who was not involved in the concealment, misrepresentation, fraudulent conduct, or false swearing.
Misrepresentation, Concealment or Fraud. This Personal Liability Coverage is void if, before or after a loss:
a. an insured has willfully concealed or misrepresented:
1) a material fact or circumstances with respect to this insurance; or
2) an insured's interest herein.
b. there has been fraud or false swearing by an insured with respect to this insurance or the subject thereof.
Misrepresentation, Concealment or Fraud. This policy may be void as to “you” and any other “insured” if, before or after a loss:
Misrepresentation, Concealment or Fraud. Under this policy, there is no coverage provided for all insureds if whether before or after a loss:
a. Any insured willfully concealed or misrepresented any material fact or circumstance concerning this insurance;
b. Any insured engages in conduct that is fraudulent concerning this insurance; or
c. Any insured makes false statements concerning this insurance.
Misrepresentation, Concealment or Fraud. This “Memorandum” is void as to any “Member” if before or after a loss: