Photographic Equipment Quote

Has the applicant or any other person to whom this insurance will apply:

Notice To Insured.

Pursuant to the provisions of the Insurance Contracts Act 1984

DISCLOSURE OF RELEVENT FACTS

a) Your Duty of Disclosure

Before you enter into a contract of General Insurance with an Insurer, you have a duty, under the Insurance Contracts Act 1984 to disclose to the Insurer every matter you know, or could be expected to know, that is relevant to the Insurer’s decision whether to accept the risk of Insurance and, if so on what terms.

You have the same duty to disclose those matters to the Insurer before you renew, extend, vary or reinstate a contract of general insurance.

Your duty however, does not require disclosure of any matter:

• that diminishes the risk to be undertaken by the Insurer
• that is of common knowledge
• that your Insurer knows, or in the ordinary course of our business ought to know
• as to which compliance with your duty is waived by the Insurer.

Your duty of disclosure extends to not only answering the questions on the Proposal Form but, to all matters which are relevant to the risk, and you must notify the Insurer of changes in the risk between the time of your answering the questions on the Proposal Form and the date the Contract of Insurance is entered into.

b) Non - disclosure

If you fail to comply with your duty of disclosure, the Insurer may be entitled to reduce his liability under the contract in respect of a claim or may cancel the contract.
If you non-disclosure is fraudulent, the Insurer may also have the option of voiding the contract from its beginning.

DECLARATION

I/We desire to affect with the Company Insurance under the terms of the Policy used for this class of business and I/We warrant that the statements in this proposal and any other information provided in connection with the proposal are correct and complete and I/We agree that they shall form the basis of the contract