Under the Insurance Contracts Act 1984 (Cth), your application will be treated as a consumer insurance contract.

Your duty to take reasonable care not to make a misrepresentation
Your application for insurance cover will be treated as if you are applying for a ‘consumer insurance contract’. Before the contract of insurance is entered into, you have a legal duty to take reasonable care not to make a misrepresentation to the insurer under the Insurance Contracts Act 1984 (Cth.). It is very important that you comply with your duty, as this may impact on your insurance cover.
A misrepresentation is an answer or a statement that is not true, only partially true, or does not fairly reflect the truth.
When you apply for insurance, we will ask you clear and specific questions that are relevant to our decision to insure you. Your answers in response to our questions are important as we use them to determine whether we can provide insurance cover to you, and if so, the terms of the policy and the premium that will be charged. This means that when answering our questions, you should respond fully, honestly and accurately.

The duty to take reasonable care not to make a misrepresentation applies anytime you answer our questions as part of an initial insurance application, when extending or making changes to an existing insurance, and reinstating any previous contract of insurance.

We may later investigate the answers you have provided to us, for example, when a claim is made.

Guidance for answering our questions
Important: Please ensure that you take care when providing your answers in relation to your insurance application. You should respond fully, honestly and accurately. If you do not, it may affect your insurance cover.

• Think carefully about your responses. If you do not understand the question or require further explanation, please ask us before responding.
• Make sure your responses are truthful, accurate and complete answers to every question that we ask you.
• Provide us with all relevant information in response to our questions. If you are unsure what information to include, please include it or check with us, your broker or advisor.
• Do not assume that we will contact anyone else for the information we are asking you to provide.
• Review each answer of your insurance application carefully and make any corrections (if necessary) before submitting it.
• You are responsible for answers that you have provided us, even if you have had help in preparing your application from your broker, intermediary, advisor or someone else.
• Before your insurance cover starts, please tell us of any changes that may be required to the answers you have given.
• If after your insurance cover starts you think you may not have complied with your duty, please contact us, your broker or advisor immediately.

We may contact you after you have submitted your application to clarify or collect any information that you may not have included. Your duty to take reasonable care not to make a misrepresentation applies to all types of communication with us, including written, electronic, online, when speaking with us in person or on the telephone.

If you do not comply with your duty
If you do not take reasonable care not to make a misrepresentation, it may have serious consequences for your insurance. If you have failed to comply with your duty, we have certain rights depending on what your insurance offer may have been had you not made a misrepresentation and whether the misrepresentation was fraudulent.

We may take actions such as:
• Avoid your insurance cover – your insurance contract and cover will be treated as if it never existed.
• Change the amount of cover – for example the level of cover may be reduced.
• Change the terms of your insurance contract – for example certain events may be excluded from being covered.

This may mean an insurance claim may not be paid, or the amount or benefit paid may be reduced, or premiums increased.

If we suspect you may have breached your duty, before exercising any action we will:
• Explain our reasons why we believe you have breached your duty.
• Provide you with an opportunity to respond and provide further information.

If we decide to make changes to your cover, we will notify you and provide the review process and complaints procedure to follow if you disagree with our decision.

If you need help
It is very important that you understand this information, the questions that we ask you and your duty. If you are having difficulty for any reason, such as disability, English language, or require further support such as a support person you trust, please contact us so that we may assist you. If you have any questions, please contact your broker or advisor.

About Personal Cyber Protection
Personal Cyber Protection Insurance is designed for individuals who use their Home IT and internet connected smart devices for personal reasons. Cover extends to family members residing with you at the Home Address.

To qualify for Personal Cyber Protection, the Policy holder must be a natural person who resides at the Home Address shown in the Schedule.

It is a condition of the policy that documents and communications shall be made via electronic methods only. By acquiring this insurance consent has been given to receive documents and communication electronically.

If these criteria are not met, Personal Cyber Protection must be declined.

Note – the policy does not cover:
• Facts or circumstances known to any insured before policy inception.
• 3rd party liability, defence costs, bodily injury or property damage.
• Use of Home IT for business purposes, commercial activity or properties you lease to others.

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