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

You have this duty until we agree to insure you.

You have the same duty before we renew, extend, vary or reinstate an insurance policy.

You do not need to tell us anything that:

  • reduces the risk We insure you for; or
  • is common knowledge; or
  • We know or should know as an insurer; or
  • We waive your duty to tell us about.

If you do not tell us anything you are required to, we may cancel your contract of insurance or reduce the amount that we will pay you if you make a claim, or both.

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