Duty of Disclosure

Your Duty of Disclosure

You must tell us all information you know (or could reasonably be expected to know) which would influence the judgement of a prudent underwriter whether or not to accept your application, and if it is accepted, on what terms and at what cost.

Examples of information you may need to disclose include:

  • anything that increases the risk of an insurance claim;

  • any criminal convictions in the last 7 years or where imprisoned;

  • if another insurer has cancelled or refused to renew insurance, or has imposed special terms;

  • any insurance claim you have made in the past.

Examples of information you do not need to disclose include:

  • anything that reduces the risk of an insurance claim;

  • anything we say you do not need to tell us about;

  • anything that is common knowledge;

  • anything you have already told us, or that we should be expected to know in the ordinary course of our business.

These examples are a guide only. If you are not sure whether you need to disclose a particular piece of information, please ask.

WHEN IN DOUBT – DISCLOSE.
ALL INFORMATION WILL BE TREATED CONFIDENTIALLY.

Click to Accept and continue your application