What is a subjectivity?

A subjectivity or subjectivities is an outstanding issue which must be resolved to an insurance underwriter's satisfaction before they can confirm that the terms and conditions of their quotation are valid and can be accepted. This will normally be a question about the risk information seen or a request for more information.

The subjectivity is normally applied when an underwriter is generally satisfied with a risk and happy to indicate terms, 'subject to' more information.

Once they have received and considered the additional information provided, the underwriter will then decide if the subjectivity has been satisfied and can be removed. If so, the terms offer will become valid and can be accepted. If they are not satisfied with the information, they may revise their terms or perhaps even withdraw their terms entirely.

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