Questions to ask

Section 07

A short list of questions to take to a policy, a written quote, or a university’s official insurance page. The answers should come from that document, dated.

• What is the exact name of the policy or the requirement, and which year or period does it apply to?
• Who is covered, and is anyone (a dependant, a visitor, a named driver) left out?
• What is the period of cover, and when does it start and end?
• What limits, sub-limits, deductibles or excesses are written on the schedule?
• Which exclusions or conditions are likely to matter for the use you have in mind, and where are they in the wording?
• How must a claim be notified, and is there a time limit?
• If a university or a visa rule is involved, where is the current official page, and does it require a particular scheme or only a minimum level of cover?

If an answer is given only in conversation, ask for it in the document or in a dated letter. This list is not advice about whether to buy a policy.