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We would also respectfully remind you that insurance contracts are contracts of utmost good faith. This imposes a continuing duty on you to disclose all material facts when seeking insurances or changes in material facts when renewing and during the lifetime of the policy, including changes that occur between receipt of a quotation and finalising the placement of cover. Failure to do so will render the insurance void or voidable. We therefore recommend that you notify us immediately of any change to material facts as soon as they arise. A material fact is one that would influence the judgement of a prudent insurer in deciding whether to accept a proposed insurance or not and, if they accept, on what terms, conditions and cost. If you are in any doubt as to whether a fact may be material or not you are advised in your own interest to disclose all known facts or seek our advice.