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Before you enter into a contract of general insurance with an insurer you have a duty under the Insurance Contracts Act 1984 to disclose to the insurer every matter that you know, or could reasonably be expected to know, is relevant to the insurer’s 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 the insurer before you renew, extend, vary or reinstate a contract of general insurance. Your duty however, does not require disclosure of any matter: that diminishes the risk to be undertaken by the insurer; that is of common knowledge; that your insurer knows or in ordinary course of its business, ought to already know; as to which compliance with your duty is waived by the insurer.