Declaration
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 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 offence or traffic offence
- Any insurance claim you have made in the past
If another insurer has cancelled or refused to renew insurance, or has imposed special terms
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