We rely on the information you provide us with, to decide whether to insure you and the terms on which we will insure you and you have a Duty
of Disclosure to us.
To comply with your Duty of Disclosure before you enter into the policy or vary, renew, extend, reinstate or replace it, you must
tell us everything that you know, and which a reasonable person in the circumstances, could be expected to know, is
relevant to our decision whether to insure you and, if so, on what terms.
You do not have to tell us anything that is common knowledge that we should know through our business, that reduces the risk of a
claim or that we tell you we do not need to know.
If you fail to comply we may be entitled to reduce or deny any claim you make and/or cancel the policy. If you fraudulently keep
information from us or
deliberately make false statements we may avoid your contract and treat your insurance as if it never existed.
Please download and carefully read our Product Disclosure Statement to fully understand the policy.