The date of occurrence is within the period of insurance.

This in effect means that there is an onus on the Insured to notify all changes which have taken place during the previous period of insurance.

Legal costs and expenses incurred by you in pursuit of compensation arising from your death or personal injury during the period of insurance.

If you make two or more claims in any period of insurance, any no claim bonus you have earned will be withdrawn completely.

The maximum amount an insurer will pay under a policy in respect of all accumulated claims arising within a specified period of insurance.

No payment should be made where the expected date of birth is before, or within 8 weeks of, the expiry of the period of insurance.

A poverty threat caused by interrupting the work career (insufficiently long period of insurance) cannot be modelled without additional information and adjustments made to the model.

Extension of period of insurance is automatic without extra charge if necessitated by delay of Public Transport services.

(b) any claim arising out of circumstances notified to the insurer during the period of insurance as circumstances which might give rise to a claim.

If you only make one claim in any period of insurance any no claim bonus which you have earned may be reduced at your next renewal, as follows:

-Pursuit of Rent Arrears - the pursuit of rent arrears which commenced during the period of insurance.

Under the policy terms and endorsements, we will insure you against certain legal liability, loss or damage which occurs during any period of insurance which we have accepted your premium for.

Provided you have given prior notification, General Accident will extend the full cover of your policy for up to 45 days in total in any one annual period of insurance, at no additional cost, to include:

Section 1, Para. 2, of the Policy provides cover whilst the craft is in most of the countries in Western Europe for a period not exceeding 31 consecutive days during any one period of insurance.

This section of the policy excludes any expenses incurred when travel is undertaken against the advice of a qualified Medical Practitioner or if there is an intention of obtaining medical treatment during the period of insurance.

We also wish to highlight the problems created by the varying definitions of "incapacity for work' and the varying assessment of "degree of disability' , as well as by the divergences in the systems used to calculate periods of insurance.

This section covers legal costs and expenses incurred by the insured in pursuance of compensation or damages against a third party arising from death or personal injury or damage to the home which occurred during the period of insurance (or in the case of the home within seven days thereafter).

If the Claimant is an inpatient in a hospital ABROAD due to accidental bodily injury or illness sustained during the period of insurance and the hospital is licenced for surgery then benefit will be paid for each complete day of hospitalisation up to the limit of the policy.

As Wallach & Company puts it, coverage is excluded for "any injury or sickness (or complications arising therefrom) which manifests itself, or for which a physician was consulted or for which treatment or medication was prescribed or taken, in the 180 days immediately prior to the period of insurance."