Important Notes
Your duty of disclosure and fair presentation
We would specifically draw your attention to your "Duty of Disclosure and Fair Presentation". Any failure to disclose material information to your insurer(s), or any misrepresentation, may adversely affect the validity of your contract.
The terms of your insurance will be based on the information you supply in the Marsh MiCAsure Proposal Form together with any additional supporting information provided. It is your duty to disclose to insurers all information, facts and circumstances which are, or ought to be, known to you and which are material to the risk and to do so in a reasonably clear and accessible manner. This duty arises when you take out and renew insurance, and when you vary an existing policy.
A material circumstance is one that a prudent underwriter would consider influential in determining whether or not to provide cover, if so on what terms and what price to charge for the cover. Any material change in facts you have previously disclosed in connection with the insurance should be advised to us. A fact should not be regarded as immaterial merely because it is not the subject of a question in the Proposal Form, and your duty is not limited to answering the specific questions that insurers or we ask you.
If in any doubt as to whether information is material, you should disclose it, as failure to do so could prejudice your right to recover in the event of a claim and allow underwriters to deny liability for your claim, reduce the amount payable in the event of claim or avoid the policy from inception and treat it as if it had never existed. You should also ensure that all the information you provide to us is correct.
Sanctions
Marsh is unable to provide insurance or reinsurance broking, risk consulting, claims or other services or provide any benefit to the extent that the provision of such services or benefit would violate applicable law or expose Marsh or its affiliates to any sanction, prohibition or restriction under UN Security Council Resolutions or under other trade or economic sanctions, laws or regulations.
Our use of personal data
When conducting our insurance activities, we collect and use information about individuals (“personal data”) such as an individual’s name and contact details. Providing our services, may involve the disclosure of any personal data you provide to us to third parties such as (re)insurers, loss adjusters, sub-contractors, our affiliates and to certain regulatory bodies.
We draw your attention to the data protection clause (clause 10) of our Marsh Engagement Document and the Marsh Privacy Notice available at https://www.marsh.com/uk/privacy-notice.html which provide more information on our use of personal data. Specifically, please be aware that where you provide us with personal data, we will be acting as independent data controllers.
By providing us with personal data, you are:
- agreeing to comply with the applicable data protection laws; and
- confirming that the relevant individuals have been notified about our use of their personal data as set out in this document.
