FAQs
The questions our claims team actually gets asked.
If the answer you need is not here, the contact form reaches a person rather than a queue.
How quickly does cover start?
The moment you accept the schedule. There is no waiting period on property, travel or motor cover; life cover starts immediately for accidental death and after 30 days for everything else.
Do I have to declare a condition I have recovered from?
Yes. Declare everything you have been treated for, even if it is resolved. An undeclared condition is the most common reason a medical claim is refused, and declaring it usually changes the price very little.
Can I cancel?
Within 14 days you get a full refund provided you have not claimed. After that you are refunded the unused portion of the premium, less a $25 administration fee.
What is not covered?
Wear and tear, deliberate damage, anything excluded in your schedule, and undeclared modifications on a vehicle. Every exclusion is listed on one page of the policy wording.
Do you cover people outside the country?
Travel cover works worldwide. Property and motor cover are limited to the country the policy was issued in; life cover follows you anywhere.
How do I add someone to a policy?
From the dashboard, in about a minute. The premium change is shown before you confirm and takes effect immediately.
Still unsure about something?
Send it to us in a sentence. We will answer in one, and we will not put you on a mailing list for it.
Ask us