---
title: "Build a non-disclosure or misrepresentation table under the Insurance Contracts Act"
url: "https://ailawframework.com/practice/insurance-law/build-a-non-disclosure-or-misrepresentation-table-from-application-and-c/commonwealth"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R9-CTH"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["CTH"]
last_reviewed: "2026-09-23"
---

# Build a non-disclosure or misrepresentation table under the Insurance Contracts Act

> Compare the application answers with later facts on the claim file and table possible non-disclosure or misrepresentation issues under the ICA, with document cites.

Canonical page: https://ailawframework.com/practice/insurance-law/build-a-non-disclosure-or-misrepresentation-table-from-application-and-c/commonwealth  
Last reviewed: 2026-09-23

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Compare the application answers with later facts on the claim file and table possible non-disclosure or misrepresentation issues under the ICA, with document cites. |
| What the lawyer must review | Apply s.20B for consumer contracts from 5 October 2021: reasonable care not to make a misrepresentation Check the contract is a consumer contract (personal, domestic or household, including many life and general products) Remember the onus is on the insurer to ask Apply the different remedies for fraudulent and innocent cases (ss.28–29) Decide 'reasonable care' yourself; it is a mixed question of law and fact Apply the pre-reform duty of disclosure to commercial contracts; confirm the contract type every time |
| Written for | Commonwealth |
| Applies to | [Build a non-disclosure or misrepresentation table from application and claim](https://ailawframework.com/practice/insurance-law/build-a-non-disclosure-or-misrepresentation-table-from-application-and-c.md) |

## Checking plan

**Lawyer review required**

The responsible lawyer reviews the work against the instructions, sources and intended use.

- What the AI does: Potential support includes preparing preliminary structure or wording and identifying points for review. Confirm the tool’s capability and permitted scope.
- What the lawyer does: Set the scope, verify the evidence, resolve exceptions and approve the final output for its intended use.
- Who reviews: Responsible lawyer with competence in the matter
- Basis: Suggested checking approach based on the task guidance. Complete the assessment for the actual tool, information and jurisdiction.
- Why: The plan reflects the described work and review requirements. Policy colours are not used to determine permission or checking.

## Checks the lawyer makes

1. Review operative clauses in the complete document, including definitions, cross-references, schedules and inconsistencies with the instructions.
2. Confirm the output against the client’s instructions and the complete relevant source material, including omissions or contradictions.
3. Resolve exceptions and record the responsible lawyer’s approval of the exact output and intended use.

## Notes

- Confirm the required checking with the responsible lawyer before work starts. The checking approach does not establish permission to use AI.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*