Before commencing this contract of insurance, you have a duty to disclose to us every matter that you know, or could reasonably be expected to know, is relevant to our decision whether to accept the risk of the insurance and if so, on what terms. You have the same duty to disclose those matters to us before you extend or vary this contract of travel insurance.

This policy shall be void in the event of misrepresentation, mis-description or non-disclosure or concealment of any material circumstances, such as your health conditions. We may be entitled to avoid or reduce liability under the contract in respect of a claim.