Important Notices
Documents
Privacy
Jardine Lloyd Thompson respects your right to privacy and is committed to privacy protection. We use the personal details that you provide to effect this Insurance contract on your behalf and to process payments. We may also use the information that we collect from you for marketing and promotional purposes.
However, we recognise that you may not want your personal information to be used in this way. You have the right to inform us that you do not wish us to address our marketing communications specifically to you. We may give your personal information to third parties for claims purposes.
Duty of Disclosure
This duty requires you to tell the insurer everything you know that is relevant to their decisions to insure you and, if so, on what terms. A matter is relevant if you, or a reasonable person in the circumstances, would know it is relevant. You must tell the insurer these things before they issue cover, and whenever you renew, extend, vary or reinstate your policy. You do not have to tell the insurer things that:
- Reduce the risk;
- Are common knowledge;
- They already know or should know in the ordinary course of business; or
- They indicate that they do not want to know.
Non-Disclosure
The duty of disclosure applies to every person that is insured under the policy.
If you do not tell the insurer everything that you know to be relevant, they may:
- Reduce a claim payment or settlement;
- Refuse a claim;
- Cancel your policy; or
- In some cases, treat your policy as if it never existed.