The quotation you receive from us will be based upon the information
provided by you. It is your duty to ensure that this information is
precise and correct.

You should notify Kay International plc in writing if the information
you have provided to secure your quotation differs in any way
from the information provided.

Any material fact which may effect the assessment of your quotation
must be forwarded to Kay International plc prior to going on cover.
Failure to indicate any material facts at the quotation stage will
jeopardise the terms quoted and/or cover given

The Proposal Form/Statement of Facts must be signed by the insured and
the premium must be settled with Kay International plc within 21 days from
the date of inception.

Any risk maybe the subject of a risk assessment survey, these will be
arranged by Kay International plc at Underwriter's discretion.

The policy "Schedule" and/or "Employer's Liability" Certificate
can only be issued and sent once the signed Proposal Form/Statement
of Facts and premium has been received by Kay International plc.