• A Death resulting from being involved in criminal activity or from your own criminal act. 
• Death resulting from terrorism, including nuclear, chemical and biological terrorism. 
• Death resulting from suicide if occurring in the first year of cover.
• Death resulting from the taking of alcohol or non-prescribed drugs. 
• Death resulting from war (whether declared or not).

• Endorsements may apply to your policy.  Please refer to your policy document. 

In the unfortunate event of your death, you will be covered, even if this occurs outside the United Kingdom. 

You must take reasonable care to provide complete and accurate answers to questions we ask when you take out cover, make changes to and renew a policy. 

You must inform us and the Insurer if: 

• You become aware of any inaccuracies or changes in the information you have provided to us, whether happening before or during the period of insurance.
• Failure to meet your obligations could result in a claim being rejected, a reduction in the amount the Insurer will pay or the cancellation of your policy. 
•  

This policy is an annual policy which you can either elect to pay for on a once-off basis or on a monthly basis.

The insurance cover commences on the date shown in your policy schedule and will continue for the 12 month term unless cancelled by either party as per the policy wording. 

• You can cancel this insurance at any time by contacting us as detailed in your policy. After a thirty (30) day cooling off period, if your premium has been paid on an once-off basis and provided you have not made a claim, you will be entitled to a refund of any premium paid, subject to a deduction for the time for which you have been covered. You will also be liable for any applicable administration or cancellation fees.