Before you enter into an insurance contract, you have a duty of disclosure under the Insurance Contracts Act 1984. If we
ask you questions that are relevant to our decision to insure you and on what terms, you must tell us anything that you
know and that a reasonable person in the circumstances would include in answering the questions. You have this duty
until we agree to insure you.

You have the same duty before you renew, extend, vary or reinstate an insurance contract.

You do not need to tell us anything that:
• reduces the risk we insure you for; or
• is common knowledge; or
• we know or should know as an insurer; or
• we waive your duty to tell us about.

If you do not tell us anything you are required to tell us, we may cancel your contract or reduce the amount we will pay
you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract
as if it never existed.

This Duty of Disclosure which was last updated on 04 June 2019.