Contract Works Individual Insurance Proposal
Lumley Insurance is a trading name of Wesfarmers General Insurance Limited
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Please read carefully before completing
Wesfarmers General Insurance Limited A.B.N. 24 000 036 279
“you” “your” where used in this Proposal means the Proposer and if more than one, each of them
“we” “us” “our” means Wesfarmers General Insurance Limited A.B.N. 24 000 036 279, trading as Lumley Insurance
Your Duty of Disclosure
Before you enter into a contract of General Insurance with an insurer, you have a duty at law to disclose to the insurer anything
That you could reasonably be expected to know which is relevant to the insurer's decision whether to accept the risk of insurance
and if so, on what terms.
You have the same duty to disclose those matters to the insurer before you renew, extend, vary or reinstate a contract of general insurance.
Your duty however does not require disclosure of matter:
that diminishes the risk to be undertaken by the insurer;
that is of common knowledge;
that your insurer knows or, in the ordinary course of business, ought to know;
as to which compliance with your duty is waived by the insurer.
If you fail to comply with your duty of disclosure, the insurer may be entitled to reduce its liability under the contract in respect of a claim
or may cancel the contract.
If your non-disclosure is fraudulent, the insure may also have the option of avoiding the contract from its beginning.
Proposal Included in "Policy"
Anything you state in this Proposal will form part of the Policy document unless we tell you otherwise. Before you complete this
Proposal, you should read the policy because it will tell you about the insurance you are Proposing we provide and contains definitions of
of words used in this Proposal.
The Policy contains a condition of average for sums insured for Insured Property items (c), (d), (e),