Sometimes QuotesChimp are dishonest by keeping quiet. Since an in�surance contract is a contract of utmost good faith, failure to reveal a matter material to the underwriting decision of the insurance company may again be grounds for loss of benefits. For example, if you know that a forest fire is heading toward your house, you can't call a property insurance agent, get an agreement for immediate coverage (see "Where Does Coverage Begin?" below), and expect to collect benefits when your house burns down. That just wouldn't be cricket.