During a policy renewal, what condition must an insured meet regarding previous claims?

The requirement for the insured to disclose claims history during a policy renewal is crucial for accurate risk assessment by the insurance company. By providing this information, the insurer can evaluate the risk of covering the insured based on their previous claims. This knowledge allows the insurer to determine whether to renew the policy, adjust premiums, or modify coverage terms.

Disclosing claims history is essential as it fosters transparency between the insured and the insurer, ensuring both parties understand the potential risks involved. Furthermore, this information is evaluated alongside other factors to establish the insured's overall insurability. Undisclosed or misrepresented claims could lead to complications, including potential denial of coverage or claims when needed, which underscores the importance of full disclosure during renewal.

In consideration of the other options, settling all claims is not a prerequisite for renewal, confidentiality of claims may hinder the underwriting process, and having no history of claims is not a requirement, as all applicants may have varying degrees of claims experience. Therefore, disclosing claims history is the correct and pertinent condition during the policy renewal process.