Decline

A decline means the insurer will not offer cover on this application. It is uncommon, and it is not necessarily permanent — circumstances change, and another application later may be assessed differently.

A previous decline by any insurer must be disclosed on a later application.

Related terms

• Adverse decision Any outcome other than acceptance on standard terms: a decline, a postponement or a loading.
• Postponement A deferral of the decision, usually pending recovery or further information.
• Underwriting The insurer's assessment of the risk you present, which decides the terms and the price.

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