What is the main purpose of the recital clause in a household insurance policy?

The recital clause in a household insurance policy primarily serves to indicate that the proposal form is becoming the basis of the contract. This clause emphasizes the importance of the information provided by the insured in the proposal, highlighting that the details listed in the proposal are integral to the contractual agreement. It underscores the principle of utmost good faith, where both parties rely on the accuracy and completeness of the information shared.

By establishing the proposal form as the foundation for the coverage and terms of the policy, the recital clause helps to prevent misunderstandings regarding what is covered and reinforces the obligation for the insured to disclose all relevant facts. Thus, this clause plays a crucial role in shaping the expectations and responsibilities of both the insurer and the insured throughout the duration of the policy.