What happens when you apply for or buy insurance from us
This section explains what we need to know and what we expect from you when you apply for insurance from us.
15. We need to know all the information that will help us decide whether we should offer cover, and on what terms. To do this we’ll:
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ask questions that will help you understand what kind of information we need to know
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tell you that we expect you to provide us all material information, whether we ask about it specifically or not
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give you a clear summary of the key features of your policy, including the things that it does not cover
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explain your responsibilities to us and what may happen if you don’t meet your responsibilities to us. We’ll do this:
> when you buy insurance from us
> during the term of your insurance with us
> when you renew your insurance with us. -
tell you that if you fail to disclose material information it may affect your ability to make a valid claim. Material information is information of enough importance to make a difference to our decisions about whether we should offer cover, and on what terms
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respond reasonably to information you did not disclose. However, if you don’t tell us something that would’ve affected our decision to insure you or the terms under which we insure you, we may refuse to pay all or part of your claim, or we may even cancel your insurance from the start date of your policy.