To note if you have 2 or more vehicles please call us on 01962 671 974, or visit our Motor Fleet Insurance page to obtain a quotation online.
The terms of any insurance that we arrange on your behalf will be based upon the information provided by you.
You must disclose all ‘Material Circumstances’ to us or your insurers, both at the outset and throughout the period of insurance cover. Material Circumstances are all the items of information that may influence the insurer’s decision as to whether to provide cover for your risk, the premium to be charged, and the terms of your insurance.
To identify what must be disclosed, you are required to carry out a reasonable search of your business and its activities.
As part of the search, you should consult with all senior management. This includes anyone who plays a significant role in the making of decisions regarding your business, regardless of whether that individual is a member of your board or is formally in a management role. This might include people such as site managers, risk managers, operational and business leaders. You will need to consider where to draw the line given the management of your business.
The most serious consequence of failing to disclose material information could be the invalidation of your cover. In this instance it would mean that a claim will be rejected.
The following must be disclosed:
During the lifetime of the policy, you must notify us immediately of any changes in circumstance which may increase the possibility of loss, damage or legal liability covered by this policy.
This list is not exhaustive and if you are in doubt as to whether any change in your circumstances need to be notified to insurers then please contact us with the details as soon as possible.
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