You have a legal duty of disclosure to us certain information whenever you apply for, or change
an insurance policy.

What You Must Tell Us

You have a general duty to disclose to us everything that you know, or could reasonably be expected to know, that is relevant to our decision whether or not to insure you , and if we do, on what terms.
However,your duty does not require you to disclose anything:
• That reduces the risk to be undertaken by us;
• That is generally well known;
• That we know or, in the ordinary course of our business, ought to know; or
• In respect of which we have waived your duty.

If You Do Not Tell Us

If you do not answer our questions honestly or do not properly disclose to us, we may reduce or refuse to pay a claim or may cancel the policy. If you act fraudulently in answering our questions or by not disclosing to us, we may refuse to pay a claim or treat the policy as never having existed.

Your General Duty Applies To Changes

Your general duty applies in full when you change or reinstate the insurance policy.

Your General Duty Is Limited For New Policies

When you apply for a new policy your duty of disclosure applies, but you do not need to disclose something to us unless we specifically ask you about it. However, you must be honest in answering any questions we ask you.
You have a legal duty to tell us anything you know, and which a reasonable person in your circumstances would include in answering the questions. We will use your answers in deciding whether to insure you and anyone else to be insured under the policy, and on what terms.

Who Needs To Tell Us

It is important that you understand you are disclosing to us and answering our questions for yourself and anyone else you want to be covered by the policy.

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If you have any questions please call Covermore on 1300 72 88 22