MATERIAL FACTS
It is a condition of this insurance that all material facts have been disclosed to the Insurers. Failure to do so may affect the rights of the insured person under this insurance. A material fact is a fact likely to influence Insurers in the acceptance or assessment of the insurance (for example the health of an insured person or that of a close relative). If there is any doubt as to whether a fact is a material fact then for your own protection it should be disclosed.
DECLARATION
I declare that to the best of my knowledge and belief all the information I have provided in connection with this application whether in my own hand or not is true and that all material facts have been disclosed to the Insurers. I understand any non-disclosure or misrepresentation of a material facts may entitle underwriters to void the insurance cover. I agree that this application shall be the basis of the contract of insurance. In the event of any claim being refused by the Insurers, I agree to repay all sums expended on my/our behalf. I also agree to repay any sums so expended in excess of the insured sum. I understand that the Insurers will determine their terms and conditions upon the information which I have provided and I further understand that the signing of
this application does not bind me to complete nor Insurers to accept the Insurance.
All Insurers invariably request General Practitioner's verification of pre-existing conditions in the event of a claim.