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Your Duty

Failing to disclose any material facts could mean that the policy is void and that any claims go unpaid. Please ensure that you understand your duty of fair presentation.

Policy start date

What date would you like your cover to start?

Your details

Business name (if trading as company) or full name (if applying as individual)

Title

First name

Surname

Correspondence postcode

Please select one of the following addresses:

Address line 1

Address line 2

Address line 3

City / Town

County

Email Address

Phone number

Please be aware, the data you provide will be automatically saved, to enable you to retrieve and complete your quote.

Help to protect your business

As an additional benefit of our service, Lloyds Bank Business Insurance Services will call you to help you get the most appropriate cover for your business.

If you prefer not to receive a call about your quote, please tick this box

Privacy Notice

Lloyds Bank Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited, part of the Arthur J. Gallagher global group of companies (together ‘Gallagher’). We are the data controller of any personal information provided to us. It is used by us to arrange insurance policies and process claims and to do so we will share your information with other third parties. Further information on how your information is used and your rights is on our website at www.ajginternational.com/Privacy-Policy.

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Material facts explained

A material fact is something that would influence the judgement of an Insurer in deciding whether or not to insure the risk you are presenting, and on what terms, or would alert them to that fact that they need to ask more questions before making their decision

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The Insurance Act 2015

When you answer questions, or agree with assumptions, whilst completing your quote, you must disclose material facts about the risk you want to insure. This is known as a ‘duty of fair presentation’ and includes disclosing the following:

- information you, your firm’s senior management, or anyone responsible for arranging your insurance knows, or should know in relation to your business

- information that would be revealed by a reasonable search of information available to you or by making enquiries, and could include information held within your business or by someone else (e.g. your broker)

Remember if you fail to meet this duty, it could mean that the policy is void, or that the insurer is not liable to pay all or part of your claim(s).

If you are in any doubt as to what you need to disclose, please feel free to contact us.

0345 3770000

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