Duty of Disclosure
Subject to the rights set out in the Criminal Records (Clean Slate) Act 2004 (“Clean Slate Act”), you are under a duty to disclose all material information to Aon New Zealand (“Aon“) whether the information is asked for or not. Material information is information that might influence our decision to insure you and if so on what terms and/or premium. All information given must be complete and correct. If you have any doubt as to whether a fact is material then it should be disclosed. The duty to disclose all material information occurs prior to the commencement of cover, if the contract is varied and prior to each renewal. Failure to disclose all material information may result in Aon voiding your insurance policy. This means your policy would be deemed never to have existed and any claims would not be payable.
Privacy Act 2020
This proposal collects personal information in order to evaluate your insurance requirements for the purpose of deciding whether to issue insurance cover and if so, on what terms. The information collected will be held by Aon at Auckland. Failure to provide any personal information requested may result in your application for insurance being declined. Personal information may need to be disclosed to entities located outside of New Zealand such as insurers and reinsurers who may not be subject to data protection laws that are comparable to those in New Zealand. Individuals have a right to request access to and correction of their personal information subject to the Privacy Act 2020.
I/We declare that:
1. Subject to any rights I/We have under the Clean Slate Act, the information given is in every respect correct and complete and all material information has been disclosed to Aon.
2. This Proposal shall be the basis of the contract between me/us and Aon, and I am/we are willing to accept cover subject to Aon’s policy terms, conditions, exclusions and any special terms they may require.
1. Aon to give and obtain from other Insurance Companies, Insurance Brokers, the Insurance Claims Register Ltd or any other party, any information relating to this or any other insurance held or previously held by me/us and any claim(s) made by me/us.
2. Aon to use my/our personal information to advise me/us of Aon’s products and/or services.
To Aon disclosing personal information to third parties such as insurers who may be located outside of New Zealand and who may not be subject to data protection laws that are comparable to those in New Zealand.
That I/We have obtained the consent of any other person whose personal information I/we provide to Aon as part of this application or under any resulting policy or claim, to disclose their personal information to third parties such as insurers who may be located outside of New Zealand, having advised them that those third parties may not be subject to comparable data protection laws to those in New Zealand.
To inform Aon immediately of any material events or changes in circumstances which occur after the commencement of this policy or after any renewal.