{
  "url": "https://openlegislation.uk/consumer-insurance-disclosure-and-representations-act-2012/schedule-1/paragraph-5",
  "json_url": "https://openlegislation.uk/consumer-insurance-disclosure-and-representations-act-2012/schedule-1/paragraph-5.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/5",
  "kind": "paragraph",
  "number": "5",
  "heading": null,
  "text": "If the insurer would not have entered into the consumer insurance contract on any terms, the insurer may avoid the contract and refuse all claims, but must return the premiums paid.",
  "extent": null,
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "I",
      "label": "I1",
      "text": "Sch. 1 para. 5 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/5",
    "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."
}