You must take reasonable care not to misrepresent when answering questions herein or in any request made by Oyen and check the information you have provided is complete and accurate. You should also disclose all relevant information which may influence Oyen in the acceptance of this insurance, decide the terms and the premium you will pay. If you do not take reasonable care and the information provided by you is incomplete or inaccurate, this may affect your claim. Your responsibility to provide complete and accurate information when requested by Oyen shall continue until the time of you entering into, making changes to or renewing your insurance. Unless renewed, the coverage will cease on expiry date and we shall strictly not be liable for any expenses that take place after the expiry date.