Before you enter into a contract of general insurance with an Insurer, you have a duty, under the Insurance Contracts Act 1984, to disclose to the Insurer every matter that you know, or could reasonably be expected to know, that is relevant to the Insurer’s decision whether to accept the risk of the insurance, and if so on what terms.
Please complete this form, to help us ensure that you meet your Disclosure obligations which form your Insurance Contract.
It is important to note a person's duty of disclosure applies whenever they:
- first arrange;
- renew;
- extend;
- vary or
- reinstate
a policy of insurance.
The consequences of the applicant not fulfilling the duty of disclosure
If the applicant fails to fulfil this duty, the insurer may:
- refuse to pay a claim and/or
- cancel the policy.