Disclosure Requirement

You must provide us with honest and complete information (Disclosure of Material Fact - see definition below*). You have a legal obligation to do so.

You must notify us if anything changes throughout the course of your insurances.

Failure to do so could result in your insurer not meeting a claim, or your policy being made void from the beginning.

We cannot be responsible for any consequences of your failure to disclose material information.

* Material Fact, by definition - “A fact which expression (concealment) would reasonably result in a different decision, e.g. Falsification of a material fact in such a manner that, had the insurance company known the truth, it would not have insured the risk - OR Misrepresentation of a material fact gives an insurance company grounds to rescind a contract.”

Should you have any doubt as to whether information is material please discuss your concerns with us by calling 0800 722 369.