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Disclosure

You have a duty to disclose all facts that are material to the risk to be insured at all times including before the cover is placed, when it is being renewed, or at any time throughout the duration of the policy should previously advised information be altered.

A material fact is a fact which may influence an Insurers assessment of a risk including its termsĀ or pricing. If you are in any doubt whether a fact is material or not then it should be disclosed, as failure to disclose such a fact may entitle your Insurer to void your policy from inception.