Before you enter an insurance contract with us, the Insurance Contracts Act 1984 requires you to provide us with the information we need to enable us to decide whether and on what terms your proposal for insurance is acceptable, and to calculate how much premium is required for your insurance.
The Act imposes a different duty the first time you enter into the policy with us to that which applies when you renew, vary, extend, reinstate or replace the Policy.
You will be asked various questions when you first apply for the Policy.
When you answer these questions, you must:
When you renew, vary, extend, reinstate or replace the Policy, your duty is to tell us before the renewal, variation, extension, reinstatement or replacement is made, every matter known to you which:
You do not need to tell us about any matter:
Everyone who is insured under the Policy must comply with the relevant duty.
If you or they do not comply with the relevant duty, the insurer or we, may cancel the Policy or reduce the amount we pay if you make a claim.