The decision we make on behalf of the companies whether or not to insure you or fulfill a claim will depend on the information you give us. Before you enter into a contract of insurance, the Insurance Contracts Act 1984, requires you to provide us with the information we need to enable us to decide whether and on what terms your on-line application for insurance is acceptable and to calculate how much premium is required for your insurance.
You must disclose any additional or new information before we agree to renew, extend, reinstate or change any details relating to your policy.
Your Duty of Disclosure when you renew, vary, extend, reinstate or replace your policy
When you renew, vary, extend, reinstate or replace the policy your duty is to tell us before the renewal, variation, extension, reinstatement or replacement is made, every matter known to you which:
What you do not need to tell us for either duty
You do not need to tell us about any matter:
Who do the above two duties apply to?
Everyone who is insured under the policy must answer the questions in this way
What happens if you or they do not comply with the relevant duty?
If you or they do not comply with the relevant duty, we may cancel the policy or reduce the amount we pay if you make a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.
Buy using our online insurance quotes or claims you agree that in answering these questions you will comply with this duty.