I believe (but am too lazy to go find citations) that in the UK there is also the issue of MATERIAL disclosure. Regulators/courts may have been known to make findings that take this into account. There was also a regulatory change a while back from whatever meant ‘tell us everything even if we don’t ask you about it, or else we then have a universal get-out’ to ‘tell us what we might reasonably be expected to need to know’.
I do not know what RSA’s insurance regulatory regime looks like but in UK I’d expect the claimant to take this to the Financial Ombudsman Service and get a finding against the insurer. Certainly I’d expect it to get a good listening to.
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