Which type of customer must ensure answers on household insurance proposals are answered with due care according to the Consumer Act 2012?

The correct choice highlights that private customers must ensure that their answers on household insurance proposals are provided with due care in accordance with the Consumer Act 2012. This legislation is designed to protect consumers by ensuring that they provide accurate and complete information when applying for insurance products, which is essential for maintaining fairness in the market.

Private customers, being individual consumers rather than businesses or corporate entities, are more directly affected by this regulation. The Act requires these individuals to be diligent in providing truthful and precise information since any discrepancies could lead to complications in claims or invalidate their policy. This emphasis on due care is crucial to safeguard their rights as consumers and promote transparency in the insurance industry.

In contrast, commercial customers and business clients refer to organizations rather than individuals, and the regulatory framework may differ for them. Corporate clients typically represent companies that deal with policies under different considerations, often without the same consumer protections that apply to private individuals. This distinction underscores the importance of the consumer-focused nature of the Consumer Act 2012, specifically aimed at individuals engaging in household insurance.