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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 disclose to the Insurer every matter that you know, or could reasonably expect to know which is relevant to the Insurers decision whether to accept the risk of insurance and if so, on what terms.

You have the same duty to disclose those matters to the Insurer before you renew, extend, vary of reinstate a Contract of general insurance. Your duty however does not require disclosure of matter:

  • That diminishes the risk to be undertaken by the insurer;
  • That is common knowledge;
  • That your insurer knows or, in the ordinary course of business ought to know;
  • As to which the compliance with your duty is waived by the insurer.

Who Needs to Tell Us

It is important that you understand you are answering our questions in this way for yourself and anyone whom you want to be covered by the policy.


If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce the liability under the Contract in respect of the claim or may cancel the Contract.

If your non-disclosure if fraudulent, the Insurer may also have the option of avoiding the Contract from its beginning.

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