Before you enter into any insurance contract, you have a legal Duty of Disclosure under the Insurance Contacts Act 1984 to:

• inform the insurance company of every matter that you know,
• or could reasonably be expected to know about,
• that is relevant to the insurance companies decision about whether to accept the risk or not of a new application.

This same legal duty continues to exist only until the insurance contract is formally issued (and the policy is in force).

The importance of the Duty of Disclosure is written on every application questionnaire and you should take the time to read it.

• It’s important that all the questions in your application are answered carefully, accurately and to the best of your knowledge and belief
• When in doubt, always raise an issue with your adviser (or the Tele Underwriter if you choose to use that service for answering your private health questions in an application)