Further to proven innocence.

I refer to the correspondence of A Moore of TG Webster (Innocent until proven guilty? Professional B...

I refer to the correspondence of A Moore of TG Webster (Innocent
until proven guilty? Professional Broking November 2001). The points
raised in Mr Moore's letter are very pertinent and, as I see it, there are
two areas that immediately spring to mind.


Firstly, is the issue of whether or not the client realises that, even
while a prosecution is pending, it is (or may) still be a material fact
that should be disclosed to an insurer.


Secondly, as almost all quotations these days are produced using
comp