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? if anyone becomes a new driver of your vehicle;
? if you or any person who may drive your vehicle, is charged with, convicted of, or commits any

criminal offence or traffic offence, other than parking infringements.

These examples are a guide only. If you are in any doubt you should disclose information, whether or not
we have asked questions that relate to it.

We may change the terms on which we insure you, or the premium, to reflect the change in circumstances
that you have disclosed to us.

If you do not comply with your obligations under this section ‘What you must tell us’, we have the option
to decline any claim (and recover any claims payment already made). We may also cancel or avoid this
policy. If we cancel we will give you 14 days’ notice sent or emailed to your last known address on our
records. If we do this, we will refund your unused premium.

If we avoid your policy, it will be treated as if it had never been taken out, and you may be required to
refund any claims payments we have previously paid to you under your policy (if any). If we do this we
will send notice or an email to your last known address on our records and we will refund your entire
premium paid.

Some of your other important obligations

You and any named driver in charge of your vehicle must:

? allow us to complete all necessary documents and authorities in respect of any claims under this policy
as your authorised agent;

? allow us to inspect the damaged vehicle and deal with any salvage in a reasonable manner. No
property may be abandoned to us;

? allow us to take over for our own benefit and settle any legal right of recovery you may have and you
must co-operate fully in any recovery action;

? comply with all our requests relating to your claim including providing all co-operation, information
and assistance;

? ensure that your vehicle is securely locked when unattended;

? establish that you have complied with all of your obligations under this policy and that none of the
exclusions apply;

? inform the Police if it appears that there has been arson, theft, burglary or malicious damage;

? not cause or facilitate loss or damage to any property covered by this policy or incur liability by any
unreasonable, reckless or wilful act or omission;

? not discuss a claim made on you by another person with them. Instead, refer them to us;

? not make a claim that is false or fraudulent in any way or make any false or incorrect statement in
connection with any claim;

? not start repairs to your vehicle without our prior approval;

A THIRD PARTY FIRE & THEFT INSURANCE POLICY BY

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