Your Obligations & Duties

Strong Insurance PTY LTD

YOUR DUTY OF MISREPRESENTATION

You must answer our questions, honestly, accurately and to the best of your knowledge. A misrepresentation is an answer that is false, misleading, inaccurate, incomplete or dishonest.

If you do not meet the above duty, your insurer may reject or not fully pay your claim or cancel your policy.

If you make a misrepresentation that is deliberate or reckless, Your Insurer may cancel your policy and deny a claim.

YOUR DUTY OF DISCLOSURE

Before entering into an insurance contract, you have a duty to tell us anything that you know, or could reasonably be expected to know that may affect the insurer’s decision to insure you and on what terms the insurance cover would be offered.

It is important that you provide us with complete and accurate information regarding the risk to be insured as well as the required personal details and situation. If you fail to provide this information accurately and in its entirety the advice we give you may not be appropriate for your needs.

If your circumstances change, our recommendations may no longer be appropriate. Please tell us about any changes to your circumstances so that we can confirm that your insurance cover remains suitable for your needs.

You have this duty when acquiring insurance quotes, prior to taking out the insurance as well once the insurance has been taken out and for the life of the policy.
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 you are required to, they may cancel your insurance contract - or refuse, reduce or deny a claim or the amount payable in the event of a claim.

If your failure to tell them is fraudulent, or the circumstances around the insurance contract, or claimed event, the insurer may refuse to pay a claim and treat the contract as if it never existed.

CONSUMER INSURANCE CONTRACTS

Consumer insurance contracts are no longer bound by a Duty of Disclosure. Customers entering into a consumer insurance contract will have a duty ‘to take reasonable care not to make a misrepresentation’.

When applying for insurance, there is a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into. To meet this duty, each person who will be covered under the insurance must also take reasonable care not to make a misrepresentation.

This would include but is not limited to, any false answer, or any answer that is only partially true, omits truths, or which does not have a fair reflection of the truth.

This duty also applies when extending or making changes to existing insurance, acting on the insurance such as during a claim, renewing insurance or reinstating insurance.

YOUR RESPONSIBILITY

You are responsible for the information provided to us.

The information is for yourself as well as any other individual that would be covered under the policy.

Each person answering our questions should:

Carefully consider all questions before answering. If you are unsure of the meaning of any question, please ask for clarity before providing an answer
Answer every and all questions presented/asked
Answer truthfully, accurately and completely. If you are unsure about whether you should include information; you are required to include the information/or guide clarity on the requirement to present the information. All information should be presented and you should not assume that we will seek this information from another person/party.
Review your insurance application/proposal form as well as all provided insurance documents carefully. If someone else assisted in the preparation of your insurance application, please check every answer (and if necessary, let us know of any amendments/changes required as soon as reasonably possible.

FOR MORE INFORMATION

If you require any further information, or have any questions regarding the way we operate/your duties & responsibilities - please call our office on: