When you apply for home insurance, car insurance or any other insurance that’s wholly or predominantly for personal, domestic or household use, we will ask you specific questions that are relevant to our decision to insure you and, and if so, on what terms (including the premium we will charge).
It is very important that you answer these questions honestly and completely and not make a misrepresentation to us. This is part of your duty to take reasonable care not to make a misrepresentation to us.
To understand what this means, and what it means if you do not comply, please watch this short video:
We know how important it is for you to have an insurer who protects and supports you, your loved ones and the things you love, when you need it most.
Before you enter into insurance that’s wholly or predominantly for your household, personal, or domestic use, we’ll ask you some questions. These questions help us to make an informed decision on whether we’re able to offer you insurance, and if so, on what terms, including the premium we charge.
When answering our questions, the law says that you must take reasonable care not to make a misrepresentation to us. A misrepresentation includes a statement that is false, partially false, or that does not fairly reflect the truth. This means, you must answer all of our questions honestly, accurately, and to the best of your knowledge. This is important if you want to prevent any claims that would otherwise have been paid being denied, or reduced.
It’s also important to remember that, when you’re answering our questions, you’re answering on behalf of everyone who will be insured by the policy. This means, we will treat any answers or representations that you give, as theirs.
Our friendly team members will take every care to make sure our questions are clear and specific. But, we know that some customers may find answering questions about insurance difficult. If you need a bit of extra help to respond, that’s okay. We can work with your support person or even provide you with free access to a translator.
A misrepresentation could result in your claim not being paid in full or being rejected entirely, or your policy being cancelled, or both.
If you make a deliberate or reckless misrepresentation, that is an act of fraud, and we may treat your policy as if it never existed.
In determining whether you’ve made a misrepresentation, a number of matters would be considered, including the type of insurance, who it’s intended to be sold to, whether you’re represented by an insurance broker, and your particular characteristics that we are aware of or should reasonably have been aware of.
Your duty continues up until we inform you in writing that we have issued you with a policy. Until that point, you must let us know if there are any changes to your circumstances.
Remember, we want to be here for you and your loved ones when you need it most. So, please abide by your duty.
If you have a question or require further information, we’re here to help. Simply submit an enquiry online or give us a call today.