It is important that you provide us with complete and accurate information about the risk to be insured otherwise the advice we give you may not be appropriate for your needs. In turn, a lack of disclosure may affect the insurer’s decision to provide cover in the instance of a claim.
In addition, you must answer any questions that we and or the insurer ask you in an honest and truthful manner. If you do not take reasonable care not to make a misrepresentation to the insurer, the insurer may cancel your contract, or deny or reduce the amount the insurer will pay you for a claim, in accordance with the insurer’s rights at law.
A misrepresentation includes a statement that is false, partially false, or that does not fairly reflect the truth.
You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a contract of general insurance.
Your Duty of Disclosure is especially important in matters relating to the physical risk and any matters that may affect the acceptance of the risk such as insolvency, criminal conviction, driving convictions and /or change of driver details.
If your circumstances change, please tell us so that we can ensure that your insurance continues to be suitable for your needs.