This policy is subject to The Insurance Contracts Act 1984. Under that Act you have a duty of disclosure. This means when you ask for cover, you must tell us all that you know about the risk that you want covered that may affect our decision to offer you cover and the terms to apply and the cost of such cover as well as the terms of the cover offered and the cost of such cover. If you don’t tell us something that you know that may affect our decision to offer you cover or the terms of that cover, we may be allowed to reduce the amount that we have to pay for a claim to nothing. We may even be allowed to cancel this policy from the date that the cover started if you fail to disclose or deliberately keep information from us or mislead us. You do not have to tell us of anything that reduces the risk of a claim, that is common knowledge or we should know as a normal part of our business.