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