You must take care to provide accurate and complete information. In addition to the statement of facts you are
required to disclose to us information including material circumstances that fairly present the risks that are or would
be insured under this policy. A fair presentation of the risk means that, in addition to the statement of facts, you must:
· disclose to us every material circumstance which you know or ought to know or, failing that, sufficient information
to alert us that we need to make further enquiries; and
· make such disclosure in a reasonably clear and accessible manner; and
· ensure that, in such disclosure, any material representation as to a matter of fact is substantially correct and a
matter of expectation or belief is made in good faith