When a person applies for an insurance policy, the insurance company needs to get certain information from the policyholder to decide whether to offer (and renew) the insurance. This information is also required when any amendments are made to the policy throughout the year.
This is any information that could affect the policy being set up or any future changes that are made to the policy.
Non-disclosure occurs when the policyholder fails to give this relevant information to the insurance company.
In instances where there is non-disclosure, this may lead to policies being cancelled and claims not being paid out.