What does Tony NOT need to disclose when arranging insurance with a new insurer?

In the context of arranging insurance, the principle of utmost good faith (uberrima fides) requires the insured to disclose all material facts that might influence the insurer's decision to provide coverage or set the terms of the policy.

Tony is required to disclose information regarding the construction of the premises, the type of stock sold, and the occurrence of previous burglaries, as these factors can significantly impact the risk assessment conducted by the insurer. The construction of the premises may indicate how easily it can be damaged or how susceptible it is to certain risks. The type of stock sold could affect the pricing of the policy and the coverage limits needed, especially if dealing in high-value items or hazardous materials. The details regarding past burglaries are critical because they reflect on the premises' security and potential risks of future claims.

However, the presence of a central station alarm is not typically considered a material fact that needs to be disclosed in the same manner as the other factors. Insurers might be interested in risk mitigation measures, like alarms, but these are generally seen as protective factors rather than risks themselves. Therefore, Tony does not need to disclose the presence of the central station alarm when arranging insurance, as it is not a fact that would directly influence the initial underwriting