Duty of Disclosure 

Before you enter into an insurance contract, you have a duty to tell us or the insurer, anything that you know, or could
reasonably be expected to know, may affect an insurers decision to insure you and on what terms.

• You have this duty until the Insurer agrees to insure you.
• You have the same duty before you renew, extend, vary or reinstate an insurance contract.
• You do not need to tell the Insurer anything that: reduces the risk they insure you for; or
• is common knowledge; or they know or should know as an insurer; or
• they waive your duty to tell us/them about.

If you do not tell an Insurer something

If you do not tell us/an insurer anything you are required to, an Insurer may cancel your contract or reduce the amount they will
pay you if you make a claim, or both.

If your failure to tell an insurer is fraudulent, the insurer may refuse to pay a claim and treat the contract as if it never existed