Insurance Terms

Here are some terms used in our policies. Please review your policy for specific details of your coverage.

1. Accidental bodily injury:
Physical bodily injury caused by a sudden, unexpected and violent event outside of your control. This injury must not be linked with any illness, disease, or physical disorder that you  may have.  It must not also be contributed to by any condition which happens naturally or gets worse with time which you experience within three months of the date of the accident. Accidental bodily injury does not include post-traumatic stress.

2. Activities of daily living:
Activities you carry out as part of daily living. These are moving around, dressing, eating, incontinence (the ability to control your bowel and bladder), using the toilet and washing and bathing.

3. Consultant physician:
A qualified and registered medical practitioner not related to you by blood, marriage or civil partnership.

4. Endorsement:
An agreed amendment to your policy written especially to cover items just for you. An endorsement is also a change to your policy that we make during the term of the policy. We add an endorsement to your policy to add to or change the terms of the original contract.

5. Insured:
The person named in the Application Form as covered by the policy.

6. IPT:
Insurance Premium Tax (IPT) is a government tax on general insurance premiums. This is currently at 6%. Insurance Premium Tax is not applicable for those based in the Isle of Man or the Channel Islands.

7. Material information:
This is any important fact or information about you and particularly about  your earnings and medical history that may affect our decision to accept  you  for insurance or our decision to accept or reject any claim you make.

8. Occupation:
All jobs or professions from which you receive an income or profit.

9. Premium:
This is the amount  you pay for your policy.

10. Professional sportsperson:
A person paid or who receives financial benefit in any way to take part in sporting activity whether on a full-time or part-time basis.

11. Review date:
The date on which any change to the premium, after we have reviewed your premium, will apply from.

12. Start date:
The day you complete and sign your Application Form and pay your first premium.

13. Total disability:
This means you cannot carry out all duties of your usual business or occupation if in paid work, or your activities of daily living, if you are not in paid work.

14. Unemployed:
An individual who is not employed or self-employed and is claiming Jobseeker's Allowance.

15. United Kingdom:
Includes England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

16. 'We', 'our', 'us':
Combined Insurance 

17. 'You', 'your':
The person named in the Application Form as covered by the policy.


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