You must tell us everything: - that you know or that you could reasonably be expected to know that is relevant to the insurer deciding whether to insure you, and an what terms

Who does this duty apply to?
This duty applies to each person insured under the policy

What if I fail in this duty?
If you fail in this duty, the insurer may
- reduce the amount they pay for the claim, or
- refuse to pay your claim and cancel your policy

Information you do NOT need to give
You do not have to tell the insurer anything:
- they know or should know or is common knowledge

When does this duty apply? The duty applies:
- before you enter into an insurance policy
- every time you renew or change a policy