How do I know if I’m covered to make a claim?

Before you make a claim you’ll need to check that you're covered by your policy. Read your policy wording and check the levels of cover you chose. You’ll find these on your Validation Certificate.

Be fully aware of exclusions. Certain sporting activities are not included. Plus, if you haven’t declared a pre-existing medical condition or are under the influence of alcohol, you may not be covered.