Before you enter into a contract of insurance you have a duty to answer all questions honestly and to tell us anything known to you, and which a reasonable person in the circumstances would include in answer to the questions.
We will use the answer in deciding whether to accept the risk of insurance and, if so, on what terms. You have the same duty to disclose those matters to us before you extend, vary or reinstate this contract.
If you fail to comply with your Duty of Disclosure, we may be entitled to reduce our liability under the contract in respect to a claim, refuse to pay a claim or may cancel the contract. If your non-disclosure is fraudulent, we also have the option of avoiding the contract from its beginning.