Common use of FALSE OR INCOMPLETE STATEMENTS Clause in Contracts

FALSE OR INCOMPLETE STATEMENTS. a) If You fail to make a fair presentation of the risks deliberately or recklessly we may void your cover and retain the premium (we may treat the Contract as if it had never existed and we will not return your premium). b) If You fail to make a fair presentation of the risks and it is not deliberate or reckless and, had We known about the risks, We would not have provided cover We may elect to void the cover and return Your premium. c) If the failure to make a fair presentation of the risks and it is not deliberate and reckless and, We would have issued cover on different terms had we known about the risks, We may: • Reduce the amount of cover proportionately to the premium (i.e. We would pay out a reduced amount reduced by the same percentage as the premium would have increased had We known of the risks) and/or •Treat the cover as if extra or different terms were included in the Contract had We known of the risks.

FALSE OR INCOMPLETE STATEMENTS. a) If You fail to make a fair presentation of the risks deliberately or recklessly we may void your cover and retain the premium (we may treat the Contract as if it had never existed and we will not return your premium). b) If You fail to make a fair presentation of the risks and it is not deliberate or reckless and, had We known about the risks, We would not have provided cover We may elect to void the cover and return Your premium. c) If the failure to make a fair presentation of the risks and it is not deliberate and reckless and, We would have issued cover on different terms had we known about the risks, We may: • Reduce reduce the amount of cover proportionately to the premium (i.e. We would pay out a reduced amount reduced by the same percentage as the premium would have increased had We known of the risks) and/or •Treat • treat the cover as if extra or different terms were included in the Contract had We known of the risks.

FALSE OR INCOMPLETE STATEMENTS. a) If You fail to make a fair presentation of the risks deliberately or recklessly we may void your cover and retain the premium (we may treat the Contract as if it had never existed and we will not return your premium). b) If You fail to make a fair presentation of the risks and it is not deliberate or reckless and, had We known about the risks, We would not have provided cover We may elect to void the cover and return Your premium. c) If the failure to make a fair presentation of the risks and it is not deliberate and reckless and, We would have issued cover on different terms had we known about the risks, We may: • Reduce the amount of cover proportionately to the premium (i.e. We would pay out a reduced amount reduced by the same percentage as the premium would have increased had We known of the risks) and/or •Treat and or treat the cover as if extra or different terms were included in the Contract had We known of the risks.

FALSE OR INCOMPLETE STATEMENTS. a) If You fail to make a fair presentation of the risks deliberately or recklessly we may void your cover and retain the premium (we may treat the Contract as if it had never existed and we will not return your premium). b) If You fail to make a fair presentation of the risks and it is not deliberate or reckless and, had We known about the risks, We would not have provided cover We may elect to void the cover and return Your premium. c) If the failure to make a fair presentation of the risks and it is not deliberate and reckless and, We would have issued cover on different terms had we known about the risks, We may: • Reduce reduce the amount of cover proportionately to the premium (i.e. We would pay out a reduced amount reduced by the same percentage as the premium would have increased had We known of the risksrisks ) and/or •Treat • treat the cover as if extra or different terms were included in the Contract had We known of the risks.