In insurance law the doctrine of disclosure as expounded by the controversial decision of CTI v Oceanus requires the proposer of an insurance policy to disclose every fact that the underwriter may wish to be aware of during his decision-making process. This has unfortunately been confirmed in the recent House of Lords decision of Pan Atlantic Insurance Company Limited v Pine Top Insurance Company. However, some form of reprieve appears to have been granted since the judgment has also stipulated that it must additionally be shown that the particular insured had been induced before there can be any resort to avoidance.