Get a quote - Personal Details
The duty to take reasonable care
When applying for insurance, there is a legal duty to take reasonable care not to make a misrepresentation to the insurer before the contract of insurance is entered into.
A misrepresentation is a false answer, an answer that is only partially true, or an answer which does not fairly reflect the truth.
This duty applies to a new contract of insurance and also applies when extending or making changes to existing insurance, and reinstating insurance.
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If you do not meet your duty
If you do not meet your legal duty, this can have serious impacts on your insurance.
Your cover could be avoided (treated as if it never existed), or its terms may be varied. This may also result in a claim being declined or a benefit being reduced.
Please note that there may be circumstances where we later investigate whether the information given to us was true. For example, we may do this when a claim is made.
Before we exercise any of these remedies, we will explain our reasons and what you can do if you disagree.
Read the full details of your duty here.
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To get a quote or apply for the AIA Online Insurance, please click here.
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