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REMINDER:
You are reminded of your obligation to provide full and accurate information to (re)insurers via us throughout the placing process and for the duration of any insurance policy effected. Any failure in this regard may, for example, entitle (re)insurers to avoid the contract from inception. Further information in relation your obligations in this regard may be found below.

For the purpose of disclosure of information, the following definitions apply:
‘Consumer Client’ an individual buying insurance wholly or mainly for purposes unrelated to his trade, business or profession;

‘Commercial Client’ a client which is not a Consumer Client.

a) If you are an Insurance Intermediary acting as an agent for a Commercial Client
It is your duty to disclose, on behalf of your Client, all Material Facts to Insurers via us. Neither we nor the Insurer is obliged to make enquiries and you must advise your Client of the requirement to disclose all material information to Insurers before the Contract is concluded, at the time of any variation of the Contract and upon renewal. You must also advise your Client of the requirement to advise any such facts or changes to such facts during the currency of the Contract, as these may also need to be disclosed. A Material Fact is a fact which may influence an Insurer’s judgement in their assessment of a risk, including its terms and pricing. If you are in any doubt as to whether a fact is material, we recommend that it be disclosed. Failure to disclose Material Facts may entitle Insurers to avoid the Contract from inception.

b) If you are an Insurance Intermediary acting as an agent for a Consumer Client
It is your duty to ensure, on behalf of your Client, that information provided to Insurers via us is not misrepresented and you must advise your Client of the requirement to take reasonable care to answer the Insurers’ questions fully and accurately and to ensure that any information they volunteer is not misleading. This duty exists before the Contract is concluded, at the time of any variation of the Contract and upon renewal. You must also advise your Client of the requirement to advise any changes to information provided during the currency of the Contract, as these may also need to be disclosed. Failure to comply with this duty may entitle Insurers to avoid the Contract from inception.

c) If you are a Commercial Client
It is your duty to disclose all Material Facts to Insurers. Neither we nor the Insurer is obliged to make enquiries and you must disclose all material information to Insurers before the Contract is concluded, at the time of any variation of the Contract and upon renewal. You must also advise us of any such facts or changes to such facts during the currency of the Contract, as these may also need to be disclosed. A Material Fact is a fact which may influence an Insurer’s judgement in their assessment of a risk, including its terms and pricing. If you are in any doubt as to whether a fact is material, we recommend that it be disclosed. Failure to disclose Material Facts may entitle Insurers to avoid the Contract from inception.

d) If you are a Consumer Client
It is your duty to take reasonable care to answer the Insurers’ questions fully and accurately and to ensure that any information you volunteer is not misleading. This duty exists before the Contract is concluded, at the time of any variation of the Contract and upon renewal. You should also keep us advised of any changes to information provided during the currency of the Contract, as these may also need to be disclosed. Failure to comply with this duty may entitle Insurers to avoid the Contract from inception.

RFIB Group Limited. Registered Office 20 Gracechurch St, London EC3V 0AF Registered in England No: 1502259