The insurers rely on the information you provide us with, to decide whether to insure you and the terms on which they will insure you. To comply with your duty of disclosure when first entering into an insurance contract, you must tell us everything you know and that a reasonable person in the circumstances could be expected to tell us, in answer to the questions we ask you, including both on the application form and any verbal questions.This applies to every person insured under the policy.
If you fail in your duty of disclosure, the insurer may reduce or deny any claim you make or cancel your policy. If you fraudulently keep information from us, or deliberately make false statements, they may avoid your contract and treat your insurance as if it never existed.
To comply with your duty of disclosure when you vary, renew, extend,reinstate or replace your policy, you must tell us everything that you know,and which a reasonable person in the circumstances could be expected to know, is relevant to their decision whether to insure you and, if so, on what terms. You do not have to tell us anything that is common knowledge that we should know through our business, that reduces the risk of a claim or that we tell you we do not need to know.