Under the Disability Discrimination Act 1995, when can an insurer decline a travel insurance application?

The option indicating that an insurer can decline a travel insurance application when the decision is supported by appropriate risk-related data is correct because the Disability Discrimination Act 1995 allows insurers to make decisions based on objective risk assessments. This means that if an insurer has valid data that indicates a particular risk level associated with a disability, they may legally decline the application based on that data, provided that the assessment is fair and justifiable. The law aims to prevent discrimination, but it also acknowledges that businesses can make rational decisions based on factual risk information.

Other considerations, such as age, alone or the geographical area of cover, do not directly relate to the provisions of the Disability Discrimination Act in the same way that data-driven decision-making does. While factors like being over State Pension age or needing cover beyond EU limits may influence an insurer's decision, they do not inherently justify a refusal under the specific conditions set by the disability-focused legislation unless backed by risk-related evidence. Thus, relying on appropriate risk-related data maintains adherence to fair underwriting practices in alignment with legal standards.