Honesty & Accuracy Statement

You are under a duty to answer all the questions that have been asked, honestly and with reasonable care and attention.

You are not under any duty to volunteer any information over and above what is asked in these questions. The questions we have asked are material to the risk to be undertaken by the relevant insurer, or the calculation of the premium by the relevant insurer, or both.

If you do not answer these questions honestly and with reasonable care and attention, the relevant insurer may use the remedies available to them, including any remedies under the Consumer Insurance Contracts Act 2019 (and any subsequent amending legislation) which may include the remedy to cancel the contract, reject a claim and to limit the amount they pay in the event of a claim and it may impact on your ability to get insurance elsewhere.

You will be asked questions regarding the following items:

All previous claims or incidents

Even though a claim was made and did not succeed, or occurred anytime within the last three years, it will be recorded on a common claims register to which most insurers have access. This register will be checked once a claim is lodged. If you omit to disclose a previous claim, medical history or incident that may have given rise to a claim within the last three years, then any future claim by you for any cover under the policy may not be entertained.

All convictions

You must tell us about any motoring, civil or criminal convictions, whether received anytime in the past, or pending actions, or which occur during the lifetime of the policy. If you don’t your policy could be invalid.

Spent conviction offences

The following convictions become spent after 7 years if you have complied with the sentence or order imposed:

• All convictions in the District Court for motoring offences except for convictions for dangerous driving
• A single conviction for dangerous driving in the District Court or Circuit Court which resulted in a prison sentence of 12 months or less, or a fine.
• All convictions in the District Court for minor public order offences
• A single conviction (other than a motoring or public order offence) in the District Court or Circuit Court which resulted in a term of prison term of 12 months or less (or a fine)
• The Act does not apply to any conviction for a sexual offence or an offence which was tried in the Central Criminal Court. These offences cannot become spent convictions.

You do not have to disclose spent convictions as part of this Insurance application unless:
You have been convicted of fraud, deceit or dishonesty when making a claim

Penalty points (Applies only to Motor Policies) 

You must tell us about all penalty points, whether on your licence or not. Insurers now have full access to the points register and we will check it. If you make a claim under your policy and have not disclosed your penalty points it could affect the outcome of your claim.

Description of risk to be covered

We require an accurate description of any property, or vehicle to be insured including any medical history.
Modified, adapted or left-hand drive vehicles must be disclosed. “Standard property construction” means built of brick, stone or concrete and may include inner timber frames – roofed with slates, tiles, asphalt, metal or concrete. Any non-standard construction must be declared. N.B. Torch on felt or bitumen on a timber decking is non-standard and its total area must be declared. You must also tell us about any unoccupancy of your property, partial or otherwise.

All cars four years and over must have a current NCT and we may request proof of this at inception or any time in the future.