Your duty to us

You have a duty to take reasonable care not to make a misrepresentation to us before the contract of insurance is first entered into. You have the same duty when you extend or vary the insurance policy.

This means that you must take reasonable care to answer accurately and completely all of the questions we ask you. If you are unsure about the requirements of any of our questions, tell us.

If you need to check your records or other information before answering, make sure you do so.

In answering our questions, you should also make sure you provide accurate and complete answers for anyone else to whom the questions apply.

Your compliance with this duty is very important as we make our decisions about whether to insure you and, if so, on what terms based on the information you provide.

If you fail to take reasonable care and make a misrepresentation to us, we may be entitled to:

• cancel your insurance policy,
• deny a claim or reduce the amount we will pay you if you claim under this insurance policy, or
• if the misrepresentation was made fraudulently, treat the policy as if it never existed.