Insurance answer
What do I need to disclose when I apply for insurance?
Answer the insurer's questions honestly, completely and accurately. If something is missing or wrong, correct it as soon as you can.
Answer
This guide explains why the insurer question itself matters. Keep records of what was asked and what was answered.
Use the insurer questions as the guide
Disclosure is not about guessing what might matter in the abstract. It is about answering the application and follow-up questions properly.
Keep a record
Save the application, adviser notes, insurer emails and policy documents so you can see what was disclosed if a claim or review question comes up later.
What to check next
- Use this as general information, not legal advice about a disclosure dispute.
- Different products can ask different questions.
- Ask the insurer or adviser if a question is unclear.
Sources for this answer
Public information is explained in plain English, with links back to the official or public sources used for this answer.
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