Duty of Disclosure

All insurance Contracts are based on the principle that all parties will act with Utmost Good Faith in all their dealings. This is recognised at law and reinforces the reason that “Your Duty of Disclosure “is required to be stated here and in the Policy Wording.

We at Landcover are obligated by the Insurance Industry’s Code of Practice to be honest, efficient, fair, transparent and timely in dealing with you, our customer.

We ensure that our staff and those representing us are appropriately trained and have sufficient product knowledge to conduct themselves professionally in all aspects of the services we provide.

You, when applying for Landcover Insurance are obligated to comply with what the Insurance Industry and the Insurance Contract Act 1984 refers to as “Your Duty of Disclosure”.

When applying to purchase Landcover Insurance for your personal or domestic or household purpose you have a duty to take reasonable care not to make a misrepresentation to an insurer.

When applying to purchase Landcover insurance for any other purpose you need to tell us everything that you know or could be reasonably expected to know that is relevant to our acceptance of your Landcover Insurance Application. You do not need to tell us anything that will reduce the insurance risk, that is common knowledge or is already something that we should know.

Please, if you do not understand your Duty of Disclosure, please click here to submit your question