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For a century the law expected you to volunteer anything an insurer might consider relevant, whether or not you were asked. The Contracts of Insurance Act 2024 dismantles that, and moves the burden to the party that writes the questions.

One insurer paid more than 180,000 claims in the year to June 2025, up 53%, with average daily payments rising from $394,000 to $612,000. Rising claims get reported as a problem. They are also the evidence.