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a) Ever had any insurance policy cancelled or renewal not offered
b) In the last five (5) years suffered any public liability claims or have caused incidents that could give rise to a public liability claim? (*)
c) In the last ten (10) years had had any criminal convictions and/or had insurance refused in the last ten (10) years? (*)
d) In the last five (5) years been prosecuted under any health and safety legislation or similar laws?
e) Ever been declared bankrupt or had a financial interest in a business that has been prosecuted under any health and safety legislation or similar laws in the last five (5) years?
Before you enter into a contract of general insurance with us, you have a duty under the Insurance Contracts Act 1984 to disclose every matter that you know, or could reasonably be expected to know that would be relevant to the insurer’s decision whether to accept the application of the insurance and, if so, on what terms and conditions.
If you fail to comply with your duty of disclosure obligations and/or have not answered the questions honestly in your application and not advised what you, as a reasonable person in the circumstances would have answered, the insurer may be entitled to reduce their liability under the contract in respect of a claim or may cancel the contract.
If your non disclosure is fraudulent, the insurer may also have the option of avoiding the contract from its beginning - i.e. treat the agreement as if it never existed.
You may prejudice your rights with regard to a claim if, without prior agreement from the Insurer, you make agreement with a third party that will prevent the Insurer from recovering the loss from that, or another party.
Your policy contains provisions that either exclude the Insurer from liability or allows them to reduce their liability in the event that you have entered into any agreement that excludes your rights to recover damages from another party in relation to any loss, damage or destruction which would otherwise allow you to sustain a claim under this policy.