Your Duty of Disclosure

Prior to entering a contract of general insurance you have a duty to disclose certain information.

You have the same duty to disclose prior to renewing, extending or varying or reinstating a general insurance contract.

What you must tell us

When answering questions and in providing other relevant information, you must be honest and you have a duty under law to tell us anything known to you, and which a reasonable person in the known circumstances would include. The insurer will use this information in deciding whether to insure you and anyone else to be insured under an insurance policy and on what terms.

Who needs to tell us

It is important to understand that you are answering all questions in this way for yourself and anyone else whom you want to be covered under an insurance policy.

If you do not tell us

If you do not answer the questions in this way, the insurer may reduce or refuse to pay a claim, or cancel the policy. If you answer the questions fraudulently, the insurer may refuse to pay a claim and treat the policy as never having operated.

The duty of disclosure applies to all persons named on the application form in a contract of insurance or amended onto the policy.