Question 4-Learning Outcome 5(30 marks)

Ingawishestoarrangeinsurancepoliciesinherownnamecoveringthe following:

• Alaptopcomputer,whichIngafoundonatrain,theownerofwhichhasyettobe traced.
• ThelifeofInga'spart-timecleaner.
• AcollectionofantiquesilverIngaisduetoinheritfromhergrandfather,whichiskeptinhishouse.
• ThelifeofDaisy,afriend,whoowesInga7,000.

WhenIngaappliestoaninsurerforinsurancecover,shedeliberatelyconcealsapreviousconviction,for which she received, five years ago, a two-year custodial sentence.

Inaddition,Ingamistakenlyadvisestheinsurerthatthecleanerisemployedonafull-timebasis.

1. Explain,withjustification,whetherinsurancepoliciesissuedinInga'snamearelikelytobevalidforeach of the following:
   1. Thelaptopcomputer. (4)
   2. ThelifeofInga'scleaner. (4)
   3. Thecollectionofantique silver. (4)
   4. Thelifeof Daisy. (4)
2. Explaintheeffectoftheconcealedconvictiononthevalidityofeachoftheproposed insurance

policies.Refertoonerelevantstatuteinsupportofyourexplanation. (8)

1. Explainbriefly,theeffectofthemistakeregardingtheemploymentstatusofthecleaneronthe

proposedlifepolicyforthecleaner.