Duty of disclosure to Insurers

You must disclose to insurers, before the contract is concluded, any fact or circumstance which is known to you (or which ought to be known to you) in the ordinary course of your business and which is material to the risk. A fact or circumstance is material if it would influence the judgement of a prudent insurer in fixing the premium or determining whether he would take the risk.

Should you, not act with the utmost good faith, or fail to disclose any material fact or circumstance to insurers, your insurer may void the contract and leave you without insurance cover.

Please contact us if you are unsure about anything when purchasing your insurance.