{
  "url": "https://openlegislation.uk/consumer-insurance-disclosure-and-representations-act-2012/schedule-1/paragraph-2",
  "json_url": "https://openlegislation.uk/consumer-insurance-disclosure-and-representations-act-2012/schedule-1/paragraph-2.json",
  "legislation": "ukpga/2012/6",
  "legislation_title": "Consumer Insurance (Disclosure and Representations) Act 2012",
  "legislation_url": "https://openlegislation.uk/consumer-insurance-disclosure-and-representations-act-2012",
  "path": "schedule/1/paragraph/2",
  "kind": "paragraph",
  "number": "2",
  "heading": null,
  "text": "If a qualifying misrepresentation was deliberate or reckless, the insurer—\n(a) may avoid the contract and refuse all claims, and\n(b) need not return any of the premiums paid, except to the extent (if any) that it would be unfair to the consumer to retain them.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "I",
      "label": "I1",
      "text": "Sch. 1 para. 2 in force at 6.4.2013 by S.I. 2013/450, art. 2"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/ukpga/2012/6/schedule/1/paragraph/2",
    "retrieved_at": "2026-10-29T09:09:00.090040+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}