An insurance agent (as distinct from a broker) does not assume a duty of care to advise on policy exclusions merely by agreeing to obtain a policy for a prospective insured. The scope of any duty depends on the particular circumstances and is not to be described as the degree of care and skill which any insurance agent of ordinary prudence and ability might be expected to show. The mere act of completing a proposal form on behalf of a prospective insured does not require the agent to advise about the quality, extent and conditions of the cover being sought.
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