Duty of Disclosure

Under the Insurance Contracts Act 1984 (the Act), you have a Duty of Disclosure. You are required before you enter into, renew, vary extend or reinstate your Policy, to tell us everytrhing you know and that a reasonable person in the circumstances could be expected to know, is a matter that is relevant to our decision whether to insure you, and anyone else to be insured under the policy, and if so, on what terms.

You do not have to tell us about any matter

    • that diminishes the risk
    • that is of common knowledge
    • that we know or should know in the ordinary course of business as an insurer, or
    • which we indicate we do not want to know.

    If you do not tell us

    If you do not comply with your Duty of Disclosure we may reduce or refuse to pay a claim or cancel your policy. If your non-disclosure is fraudulent we may treat this Policy as never having worked.