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Will you apply exclusions to a new policy?


Any condition, illness, injury, symptom or sign of a condition occurring or existing prior to your policy’s start date will be considered a pre-existing condition and will be excluded from your terms of cover.

You should inform us of these upon taking out your policy.

If we find out about them later we reserve the right to apply exclusions when we are made aware of the pre-existing condition.

We will also apply exclusions to any illness or condition if symptoms or signs are noted, or a diagnosis is made, during the 14-day waiting period at the start of your policy. Cover for accidents starts after 5 days. You can also claim for public liability immediately (on policies where public liability cover is included).

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