Your Duty of Disclosure

You must tell us

When answering our questions, you must be honest and you have a duty under law to tell us anything known to you, and which a reasonable person in the circumstances, would include in answer to the question. We will use the answers in deciding whether to insure you or anyone else to be insured under the policy, and on what terms.

Who needs to tell us 

It is important you understand you are answering our questions in this way for yourself and anyone else who you want to be covered by the policy. 

If you do not tell us 

If you do not answer our questions in this way, even by mistake, we may refuse to pay a claim, or cancel the policy, or both. If you answer the questions fraudulently, we may refuse to pay a claim and treat the policy as never having existed.

Unusual Terms

The policy you are applying for contains what may be considered unusual terms. These are listed in the Product Disclosure Statement (PDS). We strongly recommend that you read the PDS and the entire Policy Wording to make yourself familiar with all the terms and conditions of the Policy. 

All questions must be answered in full. If there is insufficient space to fully answer any question, please attach a separate sheet of paper. If you are unsure how to answer any questions, please contact your insurance adviser.

NOTE: This policy does not cover the vehicle if any anti-theft device, which you have told us is fitted, ns not in good working order and activated when your vehicle is unattended.

(NOTE: Garage and Communal Parking Area are defined in the Words With Special Meaning section of the Policy Wording. Please make sure you are aware of the difference between them. Usual overnight parking address is also defined in the Words With Special Meaning section of the Policy Wording.)

Driver History (NOTE: It is your responsibility to ensure all answers provided are correct and complete, on behalf of yourself and all other drivers to be covered by this policy.)

We will use this information to confirm your No Claim Bonus. You do not need to forward any documentary proof of your No Claim Bonus entitlement.

We will use your accident free motoring period to grant you a discretionary No Claim Bonus.

I/we declare that:

• The Duty of Disclosure statement incorporated in this application has been read and understood by me/us.

• All answers and statements made in this application are true, complete and correct and that no information has been withheld.

• I/we have read and understood the application and policy.

• I/we understand that the "Notes" in this application are for my/our assistance, but I/we must read the Product Disclosure Statement and Policy Wording for full details of all policy terms, conditions and exclusions.

• I/we acknowledge Dawes Underwriting Australia Pty Ltd t/as Dawes Motor Insurance may give to, and obtain from, other insurers and/or insurance/financial reference bureau, parts or service providers, personal information relating to this application and/or policy as well as insurance claims information obtained during the currency of this policy.

• I/we understand that all drivers must be declared, otherwise cover will not apply.

• I/we understand that if I/we have elected to reduce the premium payable for this policy due to a restricted use of the vehicle, I/we must comply with the usage restrictions or the vehicle will not be insured.

• The answers provided are true, complete & correct on behalf of all persons to be insured.

• I/we have received or downloaded from the internet the Financial Services Guide, Product Disclosure Statement and Policy Wording.

• Before completing this application form, I/we have read and understood the Financial Services Guide, Product Disclosure Statement and Policy Wording.