What are My Responsibilities when taking a policy out?

You must always provide honest and accurate information when buying this policy and when making a claim. If you, any person insured under this policy, or anyone acting on your behalf:

• Conceals information, commits fraud or attempts fraud, or
• Makes a fraudulent, false or exaggerated claim, or
• Fails to answer our questions honestly and accurately or does not tell us about changes that affect your cover,

Then:

• Your policy may be cancelled
• Your claim and any future claims may be rejected
• Any premium you have paid may be kept by the insurer
• Your information may be shared with other organisations to prevent fraud and used to involve the authorities for criminal proceedings
• The insurer may invalidate your policy or reduce any payment due

The insurer will not pay any claim that is fraudulent, false or exaggerated.