What does duty of disclosure mean?

Before cover is started, increased or reinstated, you have a legal duty to disclose everything you know, or could reasonably be expected to know, that is relevant to NobleOak’s decision to insure you.

You are not required to disclose information:

  • that reduces the risk to us
  • that is of common knowledge
  • that we know or ought to know in the ordinary course of our business
  • where we have waived your duty.

Your duty of disclosure requires you to answer all our questions completely and correctly on your application.