Your duty to provide information
You must take reasonable care to answer all questions honestly and to the best of your knowledge, and if you volunteer any other information, you must ensure that the information is not misleading. If any information that you have provided to us changes before you take out your insurance, during the life of the policy or at renewal, you must inform us of the change. If you deliberately, recklessly or carelessly misrepresent any information in relation to this insurance then your policy may be cancelled without refund, or treated as if it never existed, or your claim rejected or not fully paid. Examples of the type of changes of which you should inform us include pre existing medical conditions not previously disclosed, however this is not a complete list and if you are unsure whether something should be disclosed please discuss the matter with us.
Your policy contains a number of technical terms, usually for reasons of precise meaning, which may not necessarily be easily understood. Please call us if you require further explanation on any matter, however the British Insurance Brokers Association (BIBA) has produced a handy ‘jargon buster’ to explain the key words and phrases that you'll find in insurance documents, and a copy is available from http://www.biba.org.uk/JargonBuster.aspx or contact us for more information.
Important Documents
