Under the Insurance Contracts Act 1984 (Cth), you have a duty of disclosure. Before the contract is entered into, you must tell the insurer every matter you know, or a reasonable person in your circumstances would know, is relevant to the insurer's decision to insure you, including any claims or circumstances that could give rise to a claim. This duty also applies when you renew, extend, vary or reinstate your insurance.

Please answer all questions fully, honestly and accurately, and review your answers before submitting. If you do not comply with your duty, the insurer may reduce its liability, change the terms of your cover or, if the failure is fraudulent, avoid the contract.

This cover is generally written on a claims-made basis and is subject to the policy terms, exclusions and any retroactive date. This is a summary only. Please refer to the policy documentation for full details.