Duty Of Disclosure

What You must tell Us

When answering our questions, you must be honest and you have a duty under law to tell us anything known to you and which a reasonable person in the circumstances, would include in answer to the question. The insurance companies will use the answers in deciding whether to insure you and anyone else to be insured under the insurance policy, and on what terms.


Who needs to tell Us

It is important that you understand you are answering our questions in this way for yourself and anyone else who you want to be covered by the insurance policy.


If You do not tell Us

If you do not answer our questions in this way, the insurance company may reduce or refuse to pay a claim, or cancel a Policy. If you answer our questions fraudulently, the insurance company may refuse to pay a claim and treat the Insurance Policy as never having worked.


Please note that under section 21A of the Insurance Contacts Act 1984, you are obliged to disclose exceptional circumstances which are either known to you or a reasonable person in the circumstances would be expected to know would be relevant to the Insurance company's decision whether or not to accept the risk and if so on what terms. Failure to comply with the duty of disclosure may result in the cancellation of your Insurance contract or the denial of your claim.