Has something changed? Have you had a criminal or traffic offense or conviction? You need to tell us or it could affect a claim.

When you enter into a contract of insurance you have a legal duty to disclose to the insurer all facts that are material to the risk. This would include all information you know or could reasonably be expected to know that would influence the judgement of a prudent insurer in accepting or declining a risk or in fixing the premium or terms or conditions of the contract. This duty of disclosure arises not only when you enter into a contract of insurance but also when you renew, extend, vary, or reinstate a contract of insurance.

Examples of information that would need to be disclosed include:

• Any change in circumstance which could increase the risk of an insurance claim.
• Any criminal or traffic offence or conviction.
• Any cancellation, insurance cover declined, refusal to renew insurance, or imposition of special terms by another insurer.
• Any insurance claim you have made in the past.
• Failure to comply with your duty of disclosure may entitle an insurer to void any contract entered into from inception and could lead to claims not being met.

If you are uncertain about whether or not a particular matter should be disclosed to an insurer, please contact your broker as non or incorrect disclosure may result in a claim being declined or cover cancelled.