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Duty of Disclosure

 Your duty when you apply for insurance 

By proceeding you confirm that you have read the following important information

By law, you must take reasonable care not to make a misrepresentation. This means giving us true, complete and accurate answers to our questions, including where you provide information on someone else’s behalf.   

We use your answers to decide whether to insure you and on what terms.

If any of your answers are misleading, incomplete, inaccurate or fraudulent we may reduce or not pay a claim, cancel your policy or treat it as if it never existed.

If you don’t understand a question, you’re unsure how to answer or if anything is unclear, please  email us at