WHAT YOU NEED TO TELL US

1. ALWAYS TELL THE TRUTH

Insurance is based on the principle of utmost good faith. Put simply you have a positive duty to provide truthful, complete and correct information about yourself, including your health and medical history. Your duty of disclosure extends to the date the contract of insurance is issued. Your policy will be issued on the basis of the information you have provided.

2. ANSWER QUESTIONS AS FULLY AS YOU CAN

Applying for insurance involves responding to a number of questions. Your answers need to include as much detail relating to your current and past circumstances as possible. While this may take time, it is important to ensure that we have all the information and insurers need when they make the decision to insure you and on what terms.

3. IF IN DOUBT, TELL US

If you are uncertain of the relevance of any information, our advice is to include it on your form because, even if you aren’t sure, it maybe important to us. If someone else is completing the form on your behalf, it is important that you check that the information is correct and nothing has been left out. By signing the declaration and consent, you give us your consent to get this information. You have the right to access and, if it is wrong, to ask us to correct it.

4. HOW NON-DISCLOSURE AFFECTS CLAIMS

When you make a claim Insurers may look further into your personal history. If we discover that you did not provide us material information that would have changed our decision to insure you or the terms of that insurance, we may amend the terms of your insurance policy-which might affect your claim.

5. WELCOME TO ASK

If there is anything you’re not sure of, don’t be afraid to ask us for help.
Please contact us.