Please answer all of our questions.
Completing this form does not oblige us to agree to provide insurance to you, nor you to accept any quotation(s) we offer.
Should we accept your proposal, our acceptance will be based on the information presented to us being a fair presentation of you, your property and your business.
It is important that you understand that Insurers may treat policies as if they had never existed and decline all claims if you provide false or misleading information, withhold important information or fail to advise of any change to the information you have provided.
Please note that 'you' or 'your' in the context of these questions and this proposal means the person(s) named as Proposer and/or any other director or partner of the named Proposer.
All questions and statements apply to the whole of the proposal and any policy effected subsequently. We try, where possible, to prevent repetition. This means that information shown in a particular section of cover is relevant to us and your Insurers for all sections of cover.
Unless you advise us otherwise policy documents will be issued by email.
Fair Presentation Of Risk
A fair presentation of the risk is one
- which discloses to us every material circumstance which you know of or ought to know of, or
- gives us sufficient information to put us on notice that we will need to make further enquiries for the purpose of revealing those material circumstances, and
- which makes that disclosure in a manner which is reasonably clear and accessible to us, and
- in which every material representation as to a matter of fact is substantially correct and every material representation as to a matter of expectation or belief is made in good faith.
A material circumstance is one that would influence our decision as to whether or not to agree to insure you and, if so, the terms of that insurance. If you are in any doubt as to whether a circumstance is material you should disclose it to us.
Failure to make a fair presentation of risk could prejudice, reduce or modify your rights under the Policy.
How we will use your data
Camberford Law Limited Trading as Camberford Underwriting, and the underwriters with whom we arrange insurance, collect and use relevant information about you to provide you with insurance cover and to meet our legal obligations.
This information includes details such as your name, address and contact details and any other information that we collect about you in connection with the insurance cover from which you benefit. This information may include more sensitive details such as information about your health and any criminal convictions you may have.
In certain circumstances, we may need your consent to process certain categories of information about you (including sensitive details such as information about your health and any criminal convictions you may have). Where we need your consent, we will ask you for it separately. You do not have to give your consent and you may withdraw your consent at any time. However, if you do not give your consent, or you withdraw your consent, this may affect our ability to provide insurance cover and may prevent us from handling your claims.
Your information may be shared with, and used by, a number of third parties in the insurance sector for example insurers, agents or brokers, reinsurers, loss adjusters, sub-contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases. We will only disclose your personal information in connection with the insurance cover that we provide and to the extent required or permitted by law.
Other people's details you provide to us
Where you provide us or your broker with details about other people, for example employees, you must provide this notice to them.
You have rights in relation to the information we hold about you, including the right to access your information held by us. If you wish to exercise your rights, discuss how we use your information or request a copy of our full privacy notice, please use the contact details provided below or in our full privacy notice available at the website link below.
Want more details?
For more information about how we use your personal information and your rights please see our full privacy notice, which is available online at the following location:
Camberford Underwriting: Data Protection Officer, 7th Floor, Corn Exchange, 55 Mark Lane, London EC3R 7NE