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Inga wishes to arrange insurance policies in her own name covering the following: • A laptop computer, which Inga found on a train, the owner of which has yet to be traced. • The life of Inga's part-time cleaner. • A collection of antique silver Inga is due to inherit from her grandfather, which is kept in his house. • The life of Daisy, a friend, who owes Inga £7,000. When Inga applies to an insurer for insurance cover, she deliberately conceals a previous conviction, for which she received, five years ago, a two-year custodial sentence. In addition, Inga mistakenly advises the insurer that the cleaner is employed on a full-time basis. (a) Explain, with justification, whether insurance policies issued in Inga's name are likely to be valid for each of the following: (i) The laptop computer. (ii) The life of Inga's cleaner. (iii) The collection of antique silver. (iv) The life of Daisy. (b) Explain the effect of the concealed conviction on the validity of each of the proposed insurance policies. Refer to one relevant statute in support of your explanation. (c) Explain briefly, the effect of the mistake regarding the employment status of the cleaner on the proposed life policy for the cleaner.



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