What must you disclose when applying for a public liability insurance policy

  • You must disclose previous claims
  • Disclose if you or any directors have ever been declared bankrupt?
  • Or been involved in a company or business which became insolvent or subject to any form of insolvency or voluntary administration (e.g. liquidation or receivership)?
  • Disclosure if you or any directors have been convicted of any criminal offense (other than minor traffic convictions)
  • Your full occupation including the different business activities (perhaps you're a cleaner, you will need to advise where you clean and when)

A disclosure made from the list above may not preclude you from getting insurance, the insurer will, however, consider them before offering a premium.

What are the consequences of a non-disclosure?

Failing to provide the correct disclosure will give the insurer certain rights, as a result of a non-disclosure in the Insurance Contracts Act. This may result in:

  • Claims being denied
  • The policy may be canceled
  • It could result in a fraud charge

If you are still unsure speak to a broker or talk to our team on 1300 046 787, to discuss your requirement.


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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

What you should disclose