Bikmo for Business - Retail / Hire Centre Quote

1
Your name* This field is required.
First Name
Last Name
2
Your Email address* This field is required.
example@example.com
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Your Phone number* This field is required.
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Your Date of Birth* This field is required.Before providing an insurance quote, we’re required to carry out regulatory due diligence and sanctions checks to ensure compliance with anti-money laundering laws and international regulations.
Date
Day
Month
Year
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Company name* This field is required.
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What is your business structure?
Sole Trader
Partnership
Limited Liability Partnership (LLP)
Limited Company
Non-for-profit
Other
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Are you a member of the Association of Cycle Traders (ACT)* This field is required.
No
Yes - Gold Member
Yes - Silver member
Yes - Free member
Yes - Not sure which
Not sure
8
How did you hear about our Bike Shop insurance? * This field is required.
We're an existing partner retailer
Referral from The Association of Cycle Traders (ACT)
Referral from Bike Book
Referral from Link My Ride
Referral from another business
Referral from a customer
Met us at an event
Bikebiz Advertising
LinkedIn
Direct marketing
Press article
Googled it
Can't remember
9
When would you like your policy to start?* This field is required.If you're not sure, please use a best estimate date.
Date
Day
Month
Year
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Shop location* This field is required.Let us know whereabouts in the UK we will find you. If you have more than one store it would be best for us to talk through your insurance - however in the meantime, please provide details of your main store.
Street Address
Street Address Line 2
Town/City
County
Post code
Please Select
Please Select
Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua and Barbuda
Argentina
Armenia
Aruba
Australia
Austria
Azerbaijan
The Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
Brazil
Brunei
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Congo
Cook Islands
Costa Rica
Cote d'Ivoire
Croatia
Cuba
Curaçao
Cyprus
Czech Republic
Democratic Republic of the Congo
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Polynesia
Gabon
The Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
North Korea
South Korea
Kosovo
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Nagorno-Karabakh
Namibia
Nauru
Nepal
Netherlands
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
Turkish Republic of Northern Cyprus
Northern Mariana
Norway
Oman
Pakistan
Palau
Palestine
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn Islands
Poland
Portugal
Puerto Rico
Qatar
Republic of the Congo
Romania
Russia
Rwanda
Saint Barthelemy
Saint Helena
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Slovakia
Slovenia
Solomon Islands
Somalia
Somaliland
South Africa
South Ossetia
South Sudan
Spain
Sri Lanka
Sudan
Suriname
Svalbard
eSwatini
Sweden
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Transnistria Pridnestrovie
Trinidad and Tobago
Tristan da Cunha
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
Vietnam
British Virgin Islands
Isle of Man
US Virgin Islands
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
Other
Country
11
Do you have more than one location to insure?
YESNO
12
Annual Turnover (next 12 months)* This field is required.Please include your full turnover, including UK, Europe, USA & Canada and the rest of the world.
13
Annual Turnover for retail sales solely from USA & Canada (next 12 months)* This field is required.
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Annual Turnover for retail sales from the rest of the world, i.e. Asia, Australia, excluding, UK, Europe, USA & Canada (next 12 months)* This field is required.
15
Annual WagerollEnter total amount paid annually in wages. If unsure please estimate.
16
No of Employees (including any volunteers)
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Any losses in the past 5 years (whether insured or not)?* This field is required.
YESNO
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Please provide details of all losses you have suffered in the previous 5 years.Include dates, circumstances, financial loss suffered, and details of any risk improvements subsequently implemented.
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Large
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Ok
Ok
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Your quotation will be subject to the following material statements about you being true. Can you confirm these are all true?* This field is required.You are based and domiciled in the United Kingdom. You do not manufacture any products, including but not limited to frames, components or cycle parts. You are not aware of any potential claim or loss from the dishonesty or malice of any employee. You have not had any insurance or proposal cancelled, withdrawn, declined or made subject to special terms. Within the past 10 years you or any directors, partners or other board members, or any entities for which such persons act or acted as board members have not been the subject of any insolvency process. You, any directors, partners or other board members have never been: a. disqualified from acting as a director of a limited company or member of a limited liability partnership; or b. convicted of or charged with a criminal offence, other than a conviction spent under the Rehabilitation of Offenders Act 1974.
YESNO
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Please provide full details of the material circumstances applicable which meant you could not comply with all the previous statements.
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Ok
Ok
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Your Activities: Which of the following services do you offer?* This field is required.Select all the activities that you are involved in, and select Other as well if there's something unusual not already listed.
Traditional Sales / Online Sales
Servicing / Repairs
Demo - try before you buy (approx 15 mins around the store perimeter)
Short Term Hire (up to 7 days)
Long Term Hire (more than 7 days)
Custom Builds / Design
Bike Fitting
Maintenance Classes
Sports / Fitness Coaching
Travel / Tours Organising
Events / Sportives
Food & Drink / Cafe
Other
22
Your Activities (Sales): What proportion of your annual turnover is generated from Traditional & Online Sales?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
23
Your Activities (Servicing/Repairs): What proportion of your annual turnover is generated from Servicing/Repairs?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
24
Your Activities (Hire): What proportion of your annual turnover is generated from hired out bicycles?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
NA - we do not hire out bicycles
25
Your Activities (Other): Please confirm what additional activities account of the selection of OtherPlease include an idea of what proportion of your annual turnover is generated from these extra activities
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Ok
Ok
26
Building: Are you responsible for insuring the building for reinstatement?* This field is required.You would be responsible if you were the owner/freeholder of the building. If you rent the premises, it is usually the responsibility of the landlord to insure the building.
Yes
No
Unsure
27
Building: Your quotation will be subject to the following material statement. Can you confirm this is true?The buildings to be insured are owned by you and used solely by you for the purpose of your business, except for any self contained private residential accommodation above the premises subject to: - the residential accommodation part of the building being less than 50% of the total building; and - the accommodation being used by you; or - let to a private tenant on a minimum 6 month tenancy agreement and the tenant must either be working or retired, no student letting.
YESNO
28
Building: Please provide full details of the material circumstances applicable which meant you could not comply with all the previous statements.
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Ok
Ok
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Building: Building reinstatement valueThis should be an accurate representation of the cost to rebuild the premises from scratch - it is not the market value. The potential ramifications of underestimating this value on any insurance you take out could be significant, you may not receive the support you were expecting. If you are in any doubt at all over the accuracy of this figure you should seek the professional guidance of a RICS accredited surveyor - we can provide recommendations on low-cost trusted survey options on request.
30
Building: Do you require another party's interest to be included within the building section of cover?This may include mortgage companies, freeholders, property owners, property managers.
YESNO
31
Building: Please confirm the name(s) of those we should include as interested parties, and confirm the nature of their interest in the property.
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Ok
Ok
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Building: Your quotation will be subject to the following material statements about your premises being true. Can you confirm these are all true?* This field is required. The buildings are built only with standard construction materials (external walls constructed of brick, stone or concrete and roofed with slates, tiles or profile metal). No part of the building's roof is flat. Your premises are self-contained (under the sole control of your business). The premises has never flooded, and is not within 250m of any flowing body of water. The buildings are free from cracks or other signs of damage that may be due to subsidence, landslip or heave, and have not previously suffered damage by any of these means and are not in a known subsidence area. The premises are heated by a conventional electric, gas, or solid fuel heating system. All electrical installations have been inspected within the last 5 years, and any defects identified have been remedied. All lifts, boilers, steam and pressure vessels have been inspected and approved to comply with all statutory requirements. Outbuildings and Storage containers are not used at this site.
YESNO
33
Building: Please provide full details of the material circumstances applicable which meant you could not comply with all the previous statements.
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Large
Normal
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Ok
Ok
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Building: Your quotation will be subject to the following minimum security requirements. Can you confirm that you are able to comply with these requirements?* This field is required.While the insured premises is closed for business or left unattended you must ensure that all security devices are in full and effective operation and the physical security measures at the insured premises comply with the following criteria: 1. All doors, other than any designated fire exit, providing a final point of entrance to or exit from the insured premises are secured by a key operated lock which engages with the door frame and can be engaged from both sides. 2. All designated fire exits are secured by: a. a panic bar locking system incorporating bolts which engage both the head and sill of the door frame; or b. a mortice lock having specific application for emergency exit doors and which is operated from the inside by means of a conventional handle or thumb turn mechanism. 3. All windows and skylights which are accessible from the ground or easily reached by climbing are: a. secured by means of a key-operated locking device; or b. permanently screwed shut; or c. protected by solid steel bars, not more than 10cm apart, or metal grilles.
YESNO
35
Building: Please provide full details of where you are unable to comply with the minimum security requirements. Adding photographs of the property and its security are always useful to attach.
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Ok
Ok
36
Contents/Stock: The next few questions will ask about your Contents/Stock levels.

For the purpose of this section your assets will need to be split into five categories:

1) Stock
Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.

2) Tenants Improvements (including Fixtures and Fittings)
Imagine turning the building upside down. Anything for which you are legally responsible which would remain unmoved - that is secured to the building - would fall into this category.
You may have made improvements to the building, for example additional security like shutters and bars.

3) Computers & other electronic equipment
Includes handheld devices, mobile phones and ancillary equipment which belong to you and for which you are legally responsible - including all software and data carrying media.

4) Tools & Machinery

Any tools or machinery used in your shop/workshop.

5) General Contents
Everything else for which you are legally responsible within the premises. This may include workshop tools, POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.
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Contents/Stock: Regular Stock value held at premises* This field is required.The maximum value of Stock held at your main premises during regular trading weeks. Stock: Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.
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Stock: Demo - Try before you buy* This field is required.The maximum replacement value of a bicycle you would allow a potential buyer to ride to try out. Max 15 mins. If you do not provide this service, please enter 0.
39
Stock: Hired Out Bicycles* This field is required.The maximum value of Hired Out Bicycles per hire agreement. For example, 1 bicycle per hirer, cost to replace bicycle = £4,000; or family of 4 under 1 hire agreement, cost to replace all 4 bicycles = £12,000.
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Stock: Hired Out Bicycles* This field is required.What would be the maximum value (cost of replacement) of any one bicycle hired out?
41
Contents/Stock: An uplift of 30% will be provided to your Regular Stock value during your peak trading period - will this be sufficient to ensure you remain adequately insured at all times?* This field is required.Your peak trading period is the 90-day period where revenue is at its highest (and for the 14 days immediately before this period).
YESNO
42
Contents/Stock: Maximum Stock value* This field is required.Estimate the maximum value of Stock held at any one time (think about your busiest time of the year). Stock: Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.
43
Contents/Stock: Tenants Improvements (including Fixtures and Fittings) value* This field is required.Fixtures and Fittings: Imagine turning the building upside down. Anything for which you are legally responsible which would remain unmoved - that is secured to the building - would fall into this category. You may have made improvements to the building, for example additional security like shutters and bars.
44
Contents/Stock: Computers & Electronic Equipment value* This field is required.The combined value of Computers which are contained within your main premises. Computers - Includes handheld devices, mobile phones and ancillary equipment which belong to you and for which you are legally responsible - including all software and data carrying media.
45
Contents/Stock: Tools & Machinery* This field is required.The combined value of tools & machinery contained within your main premises.
46
Contents/Stock: General Contents value* This field is required.The combined value of the General Contents which are contained within your main premises. General Contents: Everything else for which you are legally responsible within the premises. This may include POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.
47
Please select your preferred Contents excess (including stock):Excess is the amount you have to pay towards the overall cost of an insurance claim.
£250 (Standard)
£1,000 (5% saving)
£2,500 (10% saving)
48
Security: What security provisions do you have in place at your premises.* This field is required.Select all security provisions that you have in place.
Intruder Alarm System
Security shutters
Bars on all ground floor windows
CCTV/Camera System
Ram raid barriers
Located within gated complex
Security patrols/Security staff
Locking/chaining high value stock
Tagging high value stock
Tracking high value stock
Leak detection system installed
Sprinkler system installed
Smoke Cloak
Sound Blasters
Chirp Protect / Chirp Edge system
None
Other
49
Security (Intruder Alarm): Does your current alarm meet the following? The insured premises are protected by a fully operational intruder alarm, which is annually maintained under contract by a member company of the National Security Inspectorate (NSI) or the Security Systems and Alarms Inspection Board (SSAIB). All keys to the intruder alarm and details of the intruder alarm codes are removed from the premises whenever it is left unattended. The intruder alarm connects to an alarm receiving centre by means of dual path remote signalling which meets a minimum standard of DP2 or above. A keyholder authorised by you must attend the premises as soon as reasonably possible in the event of an intruder alarm activation to confirm the security of the premises and to reset the alarm whenever it is left unattended. A copy of the current intruder alarm specification must be submitted to us on request.
Yes
No
Unsure
50
Security (Intruder Alarm): Provide as much detail as you can about the intruder alarm installed at the premises.Include the model/specification, details of who installed the system, and details of what would happen if the alarm was activated, whether you have police response etc.
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Ok
Ok
51
Security (Patrols/Staff): Please provide details of the security patrols in place, or of the security staff presence at your site.
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Large
Normal
Small
Ok
Ok
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Security (Locking/chaining high value stock): Please provide details of the procedures you follow in keeping high value stock physically secured.
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Large
Normal
Small
Ok
Ok
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Security (Tagging): Please provide details of the procedures you follow/system in place for tagging high value stock.
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Large
Normal
Small
Ok
Ok
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Security (Tracking): Please provide details of the procedures you follow/system in place for tracking high value stock.
Huge
Large
Normal
Small
Ok
Ok
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Security (Leak detection): Please provide details of the leak detection system installed and how this is maintained.
Huge
Large
Normal
Small
Ok
Ok
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Security (Sprinkler system): Please provide details of the sprinkler system installed and how this is maintained.Include details of whether this is a wet, dry or mixed system.
Huge
Large
Normal
Small
Ok
Ok
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Goods in Transit: Do you offer delivery of goods which you wish to insure?* This field is required.This includes both deliveries completed by your own vehicles, and those entrusted to third party couriers/postal services.
YESNO
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Goods in Transit: At any one time what is the total value of goods for which you are responsible that may be in transit to customers?
59
Goods in Transit: Would any items be shipped overseas?
YESNO
60
Goods in Transit: Would any items be shipped outside of the UK/European Union?
YESNO
61
Goods in Transit: At any one time what is the total value of goods for which you are responsible that may be in transit to customers within the EU?
62
Goods in Transit: At any one time what is the total value of goods for which you are responsible that may be in transit outside of the UK & EU?
63
Rent Payable: Would you like to insure any rent you are obliged to pay?* This field is required.If your property is damaged and parts uninhabitable, under the terms of your lease you may still have a duty to pay rent to your landlord.
Yes
No
Undecided
64
Rent Payable: How much is your annual rent?
65
Business Interruption: Would you like to protect your business against disruption caused by damage to your premises/stock?* This field is required.If you include this cover there are automatic extensions which will provide a limited amount of protection against disruption caused by other factors too including damage suffered by suppliers, utility outages, local authority action. We'll outline more details of these extensions alongside our quotation.
Yes
No
Undecided
66
Business Interruption: What indemnity period would you like to be protected?This is the maximum period that insurers will continue to offer financial assistance to counter the disruption following an insured event. When selecting a Business Interruption indemnity period think carefully about how long it may take to build the business back up from the ground if you are floored by a major incident - it may take much longer to return to your pre-loss profitable position than it takes to reopen the doors.
12 months
18 months
24 months
36 months
Undecided
67
Business Interruption: What is your Annual Gross Profit?For these purposes Annual Gross Profit = Turnover - (Purchases + Variable Costs) If you're unsure please estimate for now, but you would be best to seek the professional guidance of your accountant to be certain you are not miscalculating the risk.
68
Business Interruption: Do you have a business continuity plan/disaster recovery plan in place, and is this tested/reviewed annually as a minimum?
YESNO
69
Employers' Liability: Do you need us to include Employers' Liability within your policy?* This field is required.Employers' Liability insurance is a legal necessity for the vast majority of UK businesses - there are very few exceptions to these strict rules. If selecting 'No' you should ensure you take great care to verify that you have no legal duty to purchase this cover - you can be fined up to £2,500 per day if trading without the necessary Employers' Liability cover in place.
YESNO
70
Employers' Liability: Your quotation will be subject to the following material statements. Can you confirm that you are able to comply with these requirements?* This field is required.You are not aware of any potential disease or injury to any employee which may give rise to a claim. No employee works at a height above 3m.
YESNO
71
Public/Products Liability: Would you like to include Public/Products Liability within your policy?* This field is required.Public/Products Liability would be an essential lifeline to your business in the event of third party injury/property damage alleged to have resulted from your negligence.
Yes
No
Undecided
72
Public/Products Liability: What level of Public/Products liability cover would you like to include?With rising claimant damages for long-term, life-changing injuries, we would strongly encourage you to carefully assess an appropriate level of cover so you are comfortable with your retained risk beyond the set limit. Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
£2,000,000
£5,000,000
£10,000,000
Undecided
73
Public/Products Liability: Your quotation will be subject to the following material statements. Can you confirm that you are able to comply with these requirements?You do not undertake any cycle maintenance class that involves the use or application of heat. You do not undertake any work involving the use or application of heat away from your own business premises other than the use of soldering irons. You do not undertake any cycling proficiency class that involves stunt riding. You do not organise any cycling tour or trail or any fishing or angling trip or tournament which takes place outside of the United Kingdom. You do not attend more than 10 exhibitions per annum. You do not undertake any manufacture of any gun, weapon or other munition. You do not sell, supply or distribute any of the following: - any medical or health product - any firework, sparkler or other pyrotechnics device - any flammable liquid or gaseous fuel, other than camping stoves or their canisters - any children's toy which does not carry the CE mark as per the criteria set by the EC Toy Safety Directive (88/378/EEC) - any item designed for use in any motor vehicle, aerial device, hovercraft or water craft (other than hand propelled or sailing craft less than 20 feet in length) - any equine tack or supply
YESNO
74
Public/Products Liability: Please provide full details of the material circumstances applicable which meant you could not comply with the previous material statements.
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Ok
Ok
75
Your Activities (Servicing/Repairs): Please provide a summary of the relevant experience and qualifications of your workshop team.Please disclose this information for each member of your team conducting servicing or repair duties. For example, Cytech accredited, engineering qualifications.
Huge
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Normal
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Ok
Ok
76
Professional Indemnity: Would you like to include Professional Indemnity within your policy?* This field is required.Professional Indemnity would protect you from damages arising from alleged, ineffective or negligent: Cycle maintenance tuition Cycling proficiency tuition Organisation of cycling tours and trails Custom design and build of cycles Please ensure you declare these activities in the Your Activities section above. Please ask us if you would like any further advice or guidance as to whether this extension is suitable for you.
Yes
No
Undecided
77
Professional Indemnity: What level of Professional Indemnity cover would you like to include?Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
£50,000
£100,000
£250,000
£500,000
£1,000,000
Undecided
78
Professional Indemnity: Do you currently have Professional Indemnity cover?
Yes
No
Not sure
79
Professional Indemnity: From what date have you continuously purchased Professional Indemnity insurance?If you're not sure then feel free to move on to the Next question.
Date
Day
Month
Year
80
Professional Indemnity: Your quotation will be subject to the following material statements. Can you confirm that you are able to comply with these requirements?There have been no claims or allegations of negligence made against you in the last five years. You are not aware of anything which may give rise to a claim. You do not expect any significant changes to your business activities in the next 12 months. You do not organise any cycling tours and trails, where the budget for any one tour, trail or trip exceeds £25,000.
YESNO
81
Professional Indemnity: Please provide full details of the material circumstances applicable which meant you could not comply with the previous material statements.
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Ok
Ok
82
Your Activities (Custom Builds/Design): Please provide a summary of the relevant experience and qualifications of your design team?Please disclose this information for each member of your team involved in custom build and design.
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Normal
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Ok
Ok
83
Your Activities (Bike Fitting): Please provide a summary of the relevant experience and qualifications of your bike fitting experts.Please disclose this information for each member of your team involved in Bike Fitting.
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Large
Normal
Small
Ok
Ok
84
Your Activities (Maintenance Classes): Please provide a summary of the relevant experience and qualifications of your maintenance class leaders.Please disclose this information for each member of your team responsible for overseeing maintenance classes.
Huge
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Normal
Small
Ok
Ok
85
Your Activities (Sports/Fitness Coaching): Please provide a summary of the relevant experience and qualifications of your coaches?Please disclose this information for each member of your team engaged in sports and fitness coaching activities.
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Ok
Ok
86
Legal Expenses: Would you like to include Legal Expenses within your policy?* This field is required.Legal expenses cover can support you in the event of legal disputes, either providing assistance to defend yourself from action brought against you, or to support you in the event that you are compelled to take action against others.
Yes
No
Undecided
87
Legal Expenses: What level of Legal Expenses cover would you like to include?Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
£100,000
£250,000
£500,000
Undecided
88
Legal Expenses: Have you ever made a claim under a commercial legal expenses policy?
YESNO
89
Your cover requirements: If you would like us to tailor our quotation advice, being equipped to conduct a detailed review of our cover against your existing policy, then please upload your policy schedule and policy wording.If you don't have these documents to hand you can always email them to us later (forbusiness@bikmo.com). If you'd prefer not to supply your existing policy documentation then just select Next to continue.
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90
A fair presentation of the risk. Do you have any further information to disclose that you think might be relevant to the insurer?The Insurance Act 2015 outlines a strict duty on non-consumers - that includes you - to ensure a fair presentation of the risk.This means you have a duty to disclose to us and insurers every material circumstance to which you know or ought to know, including information that can be revealed by a reasonable search of information available to you, including information held within your organisation by other members of your team. A material circumstance are circumstances which may influence an insurer's decision to cover a risk and/or the terms that are applied. If your insurer ever feels that you have failed to make a fair presentation of the risk they have the right to take remedial action (this could influence the result of a claim) and may include voiding the policy or altering the terms of the cover provided.
YESNO
91
Additional material disclosures: Please provide details of the further disclosures you would like to include.
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Ok
Ok
92
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Staff Travel
93
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