Duty to make a fair presentation of risk

Under the Insurance Act 2015 you have a duty to make a fair presentation of the risk to your insurers at inception, renewal and variation of your Policy.

This means that you must tell them about all facts and circumstances known by you, your senior management team and/or those responsible for your insurances, which may be material to the risks covered by your Policy in a clear and accessible manner or give them sufficient information to alert them of the need to make enquiries about such facts or circumstances.