You must take reasonable care not to make a misrepresentation to us. This responsibility applies until we issue you with a policy for the first time or agree to renew, extend, vary/change, or reinstate your policy.
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. It is not misrepresentation if you do not answer a question or your answer is obviously not complete or is irrelevant to the question asked.
The responsibility to take reasonable care not to make a misrepresentation applies to everyone who will be insured under the policy. If you are answering questions on behalf of anyone, we will treat your answers or representations as theirs.
Whether or not you have taken reasonable care not to make a misrepresentation is to be determined with regard to all relevant circumstances, including the type of insurance, who it is intended to be sold to, whether you are represented by a broker and your particular characteristics and circumstances we are aware of.
If you do not meet the above duty, we may reject or not fully pay your claim and/or cancel your policy. If the misrepresentation was deliberate or reckless, this is an act of fraud, and we may also treat your policy as if it never existed.
If any question or guidance provided is not clear, you can contact Us for more information
on 1300 00 CLUB (2582) or visit our website.