Your Obligations and Duty of Disclosure
Any advice or service provided can only be as good as the information received from you, so I ask that you provide me with the information that I request. Without relevant and correct information about your risk, personal and financial situation, I run the risk of giving advice that is not appropriate to your needs. If you are unsure as to why I need certain information, please ask so that I can explain – we require detailed information regarding the items and risks you are insuring, we understand that sometimes your circumstances change which can mean that the information around these risks also changes. It is important that you notify us as soon as possible if there is a change in your risk/disclosed information.
It is important that you provide us with full correct information.
- If the wrong information is provided or if key information is not provided onto an insurer concerned, this can affect the possible outcome of a claim.
If you are going to alter or otherwise modify your property (including vehicles) that you insure through us:
- It is important to provide us with the details of the alteration or modification as we will need to update the insurer with this information.
In regards to your insured property and vehicles:
- It is important to keep your property in tidy and well-maintained condition, as if it is not, this could the possible outcome of your claim.
If any information is missed on your proposal for insurance, please let us know straight away as it is important to ensure all information is true, correct and disclosed.
For vehicle insurance, if since taking out the policy, your driving history changes, (i.e. speeding tickets, any demerit points or loss of licenses, etc.), please let us know as soon as possible as this needs to be updated with the insurer.