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Before you enter into a Contract of general insurance with an insurer, you have a duty under the Insurance Contracts Act 1984 to take reasonable care not to make a misrepresentation. This means giving us true and accurate answers to our questions, including where you provide information on someone else’s behalf. We’ll pass your answers to insurers who will decide whether to accept the risk of insurance and if so, on what terms. You have the same duty to the insurer before you renew, extend, vary or reinstate a Contract of general insurance.

If any of your answers are misleading or inaccurate, an insurer may reduce or not pay a claim or even cancel your policy. If your answer is fraudulent, an insurer may also have the option of voiding the Contract from its beginning.

If you don’t understand a question, you’re unsure how to answer or if anything is unclear, please call us.