Which of the following is an example of misrepresentation in insurance?

Omitting necessary details in an application is a clear example of misrepresentation in insurance because it involves failing to disclose significant information that could impact the insurer's decision-making process. Insurance applications typically require full disclosure of relevant facts about the insured risk, and withholding this information can create a false impression of the applicant's risk profile.

When critical details are omitted, the insurer may issue a policy based on incomplete or inaccurate information, which can lead to claims being denied or policies being canceled later on. Transparency is essential in the insurance industry to ensure that both the insurer and the insured are protected and can trust the policy terms and coverage.

The other choices involve either providing truthful information or additional information, which do not represent instances of misrepresentation. Making guarantees of performance could relate to interpretations of coverage or claims but does not directly involve the dishonesty present in omitting necessary details.