Duty of Disclosure
Eligible contracts (private motor, strata, home, contents, travel, personal accident/disablement)
If the insurer asks you questions that are relevant to their decision whether to insure you and on what terms, you are required to tell the insurer about anything you know and that a reasonable person in the circumstances would include in answering their questions.
At renewal the insurer may give you a copy of anything you previously told them and ask you to advise them if that information has changed. If they do this, you must tell them about any change or tell them if there is no change. If you don't tell the insurer about a change, the insurer assumes there is no change to this information.
This duty applies until the insurer agrees to insure you. You have the same duty before you renew, extend, vary or reinstate an insurance contract.
All other contracts
Before you enter into an insurance contract, you have a duty to tell the insurer anything that you know, or could reasonably be expected to know, that may affect their decision to insure you and on what terms.
You have this duty until they agree to insure you. You have the same duty before you renew, extend, vary or reinstate an insurance contract. You do not need to tell the insurer anything that:
- reduces the risk they insure you for;or
- is common knowledge;or
- they know or should know as an insurer;or
- they waive your duty to tell them about.
If you do not tell the insurer something
If you don't tell the insurer something you are required to tell them, they may cancel your insurance contract or reduce the amount theywill pay you if you make a claim, or both. If your failure to tell them is fraudulent, they may refuse to pay a claim and treat the contract as if it never existed.
Payment *
By clicking here, I HEREBY DECLARE AND WARRANT that the answers given are in every respect true and correct and that I have not withheld information within my knowledge likely to affect the decision of the company as to my eligibility for insurance. I hereby agree that this Proposal and Declaration shall be the basis of the contract between the Company's Policy subject to the terms and conditions to be contained therein. I hereby declare that I have read the GSK Insurance Financial Services Guide.
NOTE: I / We give consent to Graham Knight Insurance Brokers to disclose details of my / our Insurance Arrangements to the Courier Company I / We are contracted to. that the answers given are in every respect true and correct and that I have not withheld information within my knowledge likely to affect the decision of the company as to my eligibility for insurance. I hereby agree that this Proposal and Declaration shall be the basis of the contract between the Company's Policy subject to the terms and conditions to be contained therein.
English
Chinese (Simplified)
Chinese (Traditional)