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Duty of Disclosure

When you apply for insurance or alter this policy, you have a duty at law, to disclose to us all material facts. You must disclose all material facts to us as soon as you become aware of them. A material fact is one that may influence a prudent insurer in deciding whether or not to accept the cover and, if so, on what terms and conditions and for what premium.
Examples of information you may need to disclose include:
  • anything that increases the risk of an insurance claim;
  • any criminal conviction subject to the Criminal Records (Clean Slate) Act 2004;
  • if another insurer has cancelled or refused to insure or renew insurance, has imposed special terms, or refused any claim;
  • any insurance claim or loss made or suffered in the past.
These examples are a guide only. If there is any doubt as to whether a particular piece of information needs to be disclosed, this should be referred to us.

Non-Disclosure
If you fail to comply with your Duty of Disclosure, we are entitled to avoid this policy retrospectively from the beginning. You will not be insured under this policy at all.