Duty of Disclosure

When completing an application you have a duty of disclosure. This means you must tell the truth when you apply for cover and to disclose everything you know that may be relevant to the insurer’s decision to insure you and on what terms. This duty of disclosure extends up until the time a policy is issued. If you fail to comply with this duty, your right to receive a benefit may be affected or the insurer may cancel your policy. This duty is set out in the Policy Disclosure Statement.

Please also ensure that before you complete your application for cover that you have read and considered the Disclosure Statement which contains information such as the key features, benefits, exclusions and extent of the cover that you are applying for. If your application is underwritten the insurer may not agree to provide you cover or it may offer you cover on modified terms depending on the outcome of its assessment of your application.

Information provided on this website is general advice only. It has been prepared without taking into account your personal financial objectives, situation, or needs. It is important that you consider the information contained in the Product Disclosure Statement (PDS) for a particular product before making any decisions about whether to acquire the product.