The principle of utmost good faith allows the insured

The principle of utmost good faith allows the insured to make a full disclosure of the proposed risk when applying for insurance. This means that the insured is required to provide all relevant and material information to the insurer before the policy is issued. This includes any known facts or circumstances that may influence the insurer's decision to accept the risk or set the premium. By providing full disclosure, the insured is helping the insurer to accurately assess the risk and provide appropriate coverage. In return, the insurer is expected to act in good faith and fulfill their obligations under the policy. This principle does not give the insured the right to accept all risks proposed for insurance, the right to sue the insurer, or the right to make a claim from more than one insurer.