Your Duty of Disclosure

You and everyone who is insured under an insurance policy must comply with the duty of disclosure. You must provide complete and accurate information and instructions in a timely manner, so that we can assist you fully.


You have a duty to disclose to the insurer before a contract of insurance is entered into, upon any renewal or alteration / endorsement to the contract, every matter that is known to you that is relevant to the decision of the insurer whether to accept the risk. It is important that you tell us every matter that you know or that a reasonable person in your circumstances would know that would be relevant to an insurers decision whether or not to insure you and on what terms.


You must give honest and complete answers to each of the insurer’s questions. You should disclose in answer to each question any matter that is known to you and which a reasonable person in the circumstances could be expected to have told the insurer in the circumstances.


Failure to comply with your duty of disclosure may allow the insurer to avoid liability for a particular claim or to void the policy.

Non-Disclosure – What happens if you don’t tell us


The insurer may be entitled to:

• Cancel your policy

• Treat your policy as if it never operated

• Reduce or refuse to pay a claim.

The duty applies to each person named in the policy as the insured. If your non-disclosure is fraudulent, the Insurer may also have the option of avoiding the contract from the beginning.

Please note: if you haven’t told the truth you might not be covered.

For all the types of insurance advice we are able to provide such as commercial property insurance, short term rental insurance or helping to compare holiday home insurance for your short term rental property, you always need to be open and honest with us.