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Impact Insurance Services (Bolton) Limited are authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 304613.
Registered Address: 67 Chorley Old Road, Bolton BL1 3AJ. Registered in England with company no. 04939219.
Members of the Society of Insurance Broking.
© Impact Insurance. All Rights Reserved.
Where the main use of the contract is private.
Your duty to give information
When applying for or amending your insurance policy, we and / or your insurer will ask a number of questions to assess the risk prior to agreeing cover. It is your duty to ensure that you answer all questions raised by insurers or us honestly and reasonably. These questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured, and only by asking such questions and receiving answers which are given honestly and with reasonable care, can we or the insurer be in a position to offer terms which are designed to meet your demands and needs.
The reason why this is vital and extremely important is that if you fail to tell us or the insurer something when asked, or, if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection; insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance.
FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID
Where the main use of the contract is commercial.
It is your duty to ensure that you provide a fair presentation of the risk to underwriters; the objective of a fair presentation is to give us all the information underwriters might need to quote the premium and decide what terms to apply.
You have a duty to disclose every material circumstance that you know or ought to know after a reasonable search. This applies before the cover is placed, when renewed and if altered at any time during the policy period. A circumstance is material if it would influence the underwriters decision whether to accept the risk, including terms and pricing.
If there is any doubt whether a circumstance is material to this risk, it should be disclosed as failure to disclose may entitle insurers to refuse to pay a claim or apply additional terms or reduce the claim payment.
The point of a fair presentation is that it is far better to declare everything at the time of a quotation than to let the insurer find things out at the time of a claim.
FAILURE TO DISCLOSE THESE FACTS MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID.
