EXPLANATORY NOTES - How to read this document - Duty of Disclosure - What is covered?

Sep 30, 2026

Uploaded by lilac

Explanatory notes guide the reader on how to navigate the Private Car Plus Policy, clarifying that coverage starts from page 5 and that italic comments are not part of the policy contract. It explains bold terms by pointing to the definitions section and outlines the full structure of the insurance contract, including the schedule, endorsements, and certificate of insurance. It details duty of disclosure for consumer and non-consumer contracts, the consequences of misrepresentation, and summarizes major cover areas and limitations across policy sections.

LanguageEnglish

CategoryHealthcare

FormatPDF

Pages54

Reading Time2 h 16 min

AccessFree to download

How to read this document

Bold words and where they are defined

What makes up your insurance contract?

Duty of Disclosure

A. Consumer Insurance Contract

B. Non-Consumer Insurance Contract

What is covered?

EXPLANATORY NOTES How to read this document Please note that your Private Car Plus Policy only starts from page 5 onwards. To help you read and understand your policy better we provide some explanatory notes together with comments and examples (written in italic) . These are not meant to be part of your policy and should not be used to interpret your insurance contract in the event of any dispute. Words in bold You will notice that some words in the policy are printed in bold letters. This is because they have been given specific meaning in your Private Car Plus Policy. Please refer to Section F on pages 14 to 16 for the meaning of these words. What makes up your insurance contract? Your insurance contract with us is made up of the following: • insurance policy in pages 5 to 22 (excluding the italic texts); • the information you provided us when you applied for this insurance; • the Schedule; • the Endorsements attached to the policy; and • the Certificate of Insurance (CI) . All these must be read together as they form your insurance contract. Duty of Disclosure A. Consumer Insurance Contract Where you have applied for this insurance wholly for purposes unrelated to your trade, business or profession, you had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you applied for this insurance) [i.e. you](i.e. you) should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance in accordance with Schedule 9 of the Financial Services Act 2013. You were also required to disclose any other matter that you knew to be relevant to our decision in accepting the risksand determining the rates and terms to be applied. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us, any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed. B. Non-Consumer Insurance Contract Where you have applied for this insurance for purposes related to your trade, business or profession, you had a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied, and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of term(s) or termination of your contract of insurance. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us, any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed. If you misrepresented any facts to us before the policy is entered into, examples of the actions that may be taken by us against you include the following: • declare your policy void from inception (which means treating it as invalid), and we may not return any premium; • cancel this policy and return any premium less our cancellation charge or recover any unpaid premium; • remove one or more named drivers from your policy and adjust your premium accordingly; • recover any shortfall in premium; • not pay any claim that has been or will be made under the policy; or • be entitled to recover from you the total amount of any claim already paid under the policy or any claim we have to pay because of any relevant road traffic legislation, plus any recovery cost. What is covered? Your insurance does not cover you against everything that can happen to your car. Check out the Schedule that we issued to you to know the type of cover yo

FAQs

When does the Private Car Plus Policy start?

The Private Car Plus Policy starts from page 5 onwards.

Are the italic texts part of the insurance contract?

No. The italic comments and examples are not meant to be part of the policy and should not be used to interpret the insurance contract in disputes.

What happens if you misrepresented facts before the policy is entered into?

Possible actions include declaring the policy void from inception, canceling the policy and returning premium less charges, adjusting premiums by removing named drivers, refusing claims, and recovering amounts already paid plus recovery costs.

Sep 30, 2026

Uploaded by lilac