It is essential that you make a fair presentation of the risk that should include a full and unrestricted disclosure including every material fact and circumstance (a material if it would influence the judgement of the Underwriter when considering whether to accept the risk and/or the assignment of the terms, conditions or premium which should be applied).
If you are unsure in any way that your disclosure is complete you should check with your insurance advisor.
In the event you fail to make a full unrestricted disclosure Underwriters may refuse to pay your claim, pay only part of your claim, and/or void your policy.
This statement will be considered together with the presentation of risk that you and your insurance advisor have provided to the Underwriter.
If the answers or information you have providedchange during the period of insurance you should notify your insurance advisor as soon as reasonably possible as Underwriters may be unable to continue with cover.