Failure to disclose material facts or circumstances could result in Your policy being invalidated.

Material facts and circumstances are those which the Underwriter may wish to know in deciding whether to underwrite the risk and/or the terms upon which to underwrite the risk. They may be relevant either to the physical risk or to the personal background and characteristics (including financial) of You and/or any director, partner, officer and/or principal of Your Business. It is important that Your Business should have a system in place to ensure that all material facts and circumstances are disclosed.

Should You be in any doubt as to whether information is accurate or material, You should discuss it with Your Agent. If in doubt, You should disclose it. We are keen to work in partnership with You to avoid any misunderstandings.