§ Lord Kennetasked Her Majesty's Government:
Whether they are content that all insurance companies, reinsurance companies, and protection and indemnity clubs endorse, and regularly apply the doctrine of uberrimae fidei, and if, in their opinion, they do not, will they require them in future to do so, so that insurance cover is no longer available to parties which do not properly observe all the safety measures they should.
§ Lord HeskethThe principle ofuherrimae fidei applies to all insurance contracts governed by English law. Whether a contract of insurance will be voidable through non-observance of safety regulations is likely to depend, subject to any overriding considerations of public policy and illegality as applied to the courts, on the terms of the contract and the circumstances of the case.