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frequently asked questions

LEGAL QUESTIONS

Is Insurance Premium Tax (IPT) included in the prices shown?
What is the definition of a "family"?
How do you define "UK resident"?
What is my 'permanent country of residence'?

 

1. Is Insurance Premium Tax (IPT) included in the prices shown?

All prices quoted include IPT at the appropriate rate.

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2. What is your definition of a "family"?

Two adults living together with up to 4 dependent children aged under 19 years (or under 23 years if in full-time further education).

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3. How do you define "UK resident"?

Our policies are only available to UK residents. We define UK a resident as: "a person who has their main home in the United Kingdom and who is registered for United Kingdom income tax".

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4. What is my 'permanent country of residence'?

Your permanent country of residence means the home address that appears on your schedule or as otherwise advised in writing to us by you during the policy period and prior to any claim. In the case of the United Kingdom (U.K.), your permanent registered address includes the whole of the U.K.

The U.K. is - England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

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