"Utmost good faith" in insurance means that:
a. an insured will trust the insurers implicitly to compensate him in the event of a loss occurring.
b. both parties have agreed that a contract will be legally binding.
c. the insurers trust the policyholder to pay the required premium at some time after theinsurance cover commences.
d. the insured must disclose to the insurers all facts about the risk to be insured, and theinsurers must disclose to the insured full details and terms of the cover to be provided.