Duty of Disclosure
Your Duty of Disclosure - effective until 11.59 PM on 4th October 2021
Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984.
If we ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.
You have this duty until we agree to insure you.
If you do not tell us something
If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.
If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.
Your duty when you apply for insurance - effective from 5th October 2021
By proceeding you confirm that you have read the following important information
By law, you must take reasonable care not to make a misrepresentation. This means giving us true, complete and accurate answers to our questions, including where you provide information on someone else’s behalf.
We use your answers to decide whether to insure you and on what terms.
If any of your answers are misleading, incomplete, inaccurate or fraudulent we may reduce or not pay a claim, cancel your policy or treat it as if it never existed.
If you don’t understand a question, you’re unsure how to answer or if anything is unclear, please call us.