We use the information you give us to provide the quote, consider any application for cover and where cover is issued, to manage and administer your and our rights under the policy. For example, the handling or settlement of claims. To do this we may provide it to third parties such as other insurers, reinsurers, loss adjusters, external claims data collectors, investigators and agents or other parties as required by law. Where you provide us with information about other persons you must have their consent to this and provide it on their behalf. If not you must tell us. We handle it in accordance with the Privacy Act 1988. To access or change the information just call us.

Under the law we are required to inform you about your duty of disclosure.

We will be asking various questions of you. You have a duty at law when answering them to give us honest and complete answers, and tell us everything you know and that a reasonable person in the circumstances could be expected to tell us.

You answer the questions for yourself and everyone else covered by the policy, because you apply on their behalf and with their consent. If you breach the duty we may cancel the policy or reduce the amount we pay for a claim. If fraud is involved, we may treat the policy as if it never existed and pay nothing.

Do you consent to answering these questions and to the collection, storage, use and disclosure of this information?