How do I make a claim on my Carer Insurance policy? Does my Carers & PA's Insurance cover a volunteer carer? Does my Carer policy provide cover if my client wants to sue me? Does my Carer Insurance policy cover me if I am accused of stealing? Does the policy cover damage to the care recipient’s property? Do you have any resources for Carers and PA's? What is the cooling-off period for this Direct Payments & Home Employment Insurance policy? How can I contact Surewise Customer Services? Who are the insurers for this Direct Payments policy? What is the definition of an Employee under this policy? What is considered a Service User under this policy? What are the territorial limits for this insurance? What is meant by bodily injury in this policy? How do I make a claim under Sections 1-6 of the policy? How do I make a claim under Section 7 Legal Expenses? What is covered under Employers Liability insurance? What is not covered under Employers Liability? What does Public Liability Section 2a cover? What is Public Liability Section 2b coverage? What are the main exclusions under Public Liability? What Personal Accident benefits are available? What extensions are available under Personal Accident? What is excluded from Personal Accident coverage? What Financial Loss coverage is available for motor vehicle theft? What protection exists against employee theft? How does credit card fraud protection work? What happens if an employee fails to attend work? What redundancy coverage is provided? What Property Loss coverage is available for keys? How are employee personal possessions covered? What covers property damage during medical emergencies? What Travel coverage is provided? What is excluded from Travel coverage? What Legal Expenses coverage is available? When can I claim under Employment Legal Expenses? What Employment Compensation Awards are covered? What legal advice helplines are available? Can I choose my own legal advisor? What does 'reasonable prospects of success' mean? What are the main Legal Expenses exclusions? How do I cancel my policy within the cooling-off period? How can I cancel my policy after the cooling-off period? What happens if I provide false information? What is the Reasonable Care condition? How does Other Insurance affect claims? What are the main General Exclusions? What is the territorial limits extension for temporary trips abroad? How does the Health and Safety at Work extension work? What compensation is available for court attendance? How do Unsatisfied Court Judgements work? What is covered under Tenants Liability? How does Wrongful Arrest coverage work? What does Data Protection Act extension cover? What is Employer's Protection coverage? How does Identity Fraud protection work? What help is available for finding replacement employees? How does All Risk Property Loss coverage work? What coverage exists for outings with employees? What are the key exclusions for outing coverage? How do I make a complaint about policy sales? How do I complain about claims handling (Sections 1-6)? What data protection rights do I have? How is my personal information used? What are the benefit limits for Bronze, Silver and Gold policies? What medical treatments can employees perform? What is the Financial Services Compensation Scheme coverage? How long are personal data records retained? Can my data be transferred internationally? How does marketing consent work? What is the Business Legal Services website? What conditions must be met for Legal Expenses claims? When can Legal Expenses coverage be withdrawn? How do Collective Conditional Fee Agreements work? What happens if I refuse to settle following legal advice? How are barrister opinions used in Legal Expenses? What is the arbitration process for Legal Expenses disputes? How do fraudulent Legal Expenses claims affect the policy? What Legal Expenses exclusions apply to personal circumstances? What is the cooling off period for this policy? Who underwrites this Domiciliary Care Insurance policy? What does the term 'Business' mean in this policy? What is the definition of 'Occupation' under this policy? What is considered an 'Accident' under this policy? What does 'Bodily Injury' mean in this policy? What contact numbers should I use for different types of claims? What happens if I provide false or misleading information? What is the special condition regarding tasks performed on clients? How can I cancel my policy after the 14-day cooling off period? What are the different levels of Public Liability cover available? What Personal Accident benefits are available for Accidental Death? What is covered under Section 1 - Public Liability? What additional covers are included in Public Liability? What property is covered under Section 2 - Loss of Property? What are the requirements for reporting theft or property damage claims? What should I do if I need to make a legal liability claim? What exclusions apply to Sections 1 and 2 of the policy? Who is eligible for Personal Accident Cover (Section 3)? What are the different grades of Broken Bones covered? What Hospitalisation benefits are available? What is Permanent Total Disablement under this policy? What exclusions apply to Personal Accident Cover? How do I make a Personal Accident claim? What Legal Expenses coverage is provided under Section 4? What Legal and Tax advice helpline is available? When can I choose my own appointed advisor for Legal Expenses? What are the main exclusions for Legal Expenses coverage? How do I make a Legal Expenses claim? What is the complaints procedure for policy sales issues? What is the complaints procedure for claims issues (Sections 1, 2 & 3)? What personal information does Surewise collect? What are my rights under GDPR? What is the territorial limit for this policy? What does 'Client' mean under this policy? What is a 'Principal' in this policy context? What constitutes 'Costs and Expenses' under Public Liability? What is meant by 'Loss of Limb' in Personal Accident terms? What does 'Loss of Sight in Both Eyes' mean? What are 'Air Sports' as excluded activities? What is a 'Hospital Stay' for benefit purposes? What constitutes 'Permanent Partial Disablement'? What medical conditions are specifically defined in this policy? How are multiple claims from one accident handled? What happens if I was already disabled before an accident? What is the procedure if an insured person disappears? Are finger and toe fractures covered? What medical examinations may be required for claims? How are Personal Accident claim payments made? Can I be covered under multiple Carer Insurance policies? When does Personal Accident cover automatically end? What law governs this insurance contract? What is the Consumer Legal Services Website access? What are the important conditions for Legal Expenses coverage? Can I settle a Legal Expenses claim without ARAG's agreement? What happens if there's a dispute about the merits of a Legal Expenses claim? What constitutes fraudulent claims under Legal Expenses? Under what circumstances can Legal Expenses coverage be cancelled? What should I know about Legal Expenses claim acknowledgment? How does ARAG handle Legal Expenses complaints? How does ARAG collect and use personal information? What are the Financial Ombudsman Service criteria for investigating complaints? How long does Surewise retain personal data? What are Surewise's marketing practices regarding consent? Who can I contact for data protection concerns? What happens if Surewise updates their Privacy Notice? What is the cooling off period for Domiciliary Employment Insurance? What are Acts of Terrorism as defined in this policy? How is 'Employee' defined in this policy? What is covered under Public Liability? What professional services exclusions apply to Public Liability? Are there cyber liability exclusions? What Health and Safety at Work extension applies? What indemnity is provided to other people? What cover applies for hired or rented premises? What Consumer Protection extension is included? What are court attendance expenses? What wrongful arrest coverage is provided? What Food Safety Act extension applies? What Data Protection Act coverage is included? What overseas personal liability is covered? What sudden pollution coverage applies? What Defective Premises coverage is provided? What is covered under Employers Liability? What are the main exclusions for Employers Liability? What unsatisfied court judgements extension applies? What Legal Expenses coverage is provided? What employment disputes are covered under Legal Expenses? What is an 'Appointed Advisor'? When can I choose my own appointed advisor? What are my responsibilities under Legal Expenses coverage? What general exclusions apply to Legal Expenses? What helplines are available with this policy? What are the territorial limits for this policy? What is the definition of 'Business' under this policy? How is 'Bodily Injury' defined? What constitutes 'Medical Malpractice'? What does 'Products' mean in this policy? How do I cancel my policy in the first 14 days? How can I cancel my policy after 14 days? Under what circumstances can the insurer cancel my policy? What happens if I have other insurance covering the same risk? What are the consequences of fraudulent claims? What law governs this insurance policy? What constitutes an alteration of risk? What are the Public Liability limits of indemnity? What are the Employers Liability limits? What Legal Expenses limits apply? How do I make a claim for Public and Employers Liability? Who are the insurers for this policy? How can I contact customer services? What must I do to take reasonable care? What happens with subrogation rights? How do I complain about policy sales? How do I complain about claims handling? What is the Financial Ombudsman Service contact information? What personal information do you collect? What are the lawful bases for processing my data? How long do you retain my personal data? How do you handle marketing consent? Who can I contact about data protection? What compensation is available if the insurer cannot meet obligations? What offshore exclusions apply? What hazardous locations are excluded? Are infectious diseases covered? What asbestos exclusions apply? What is excluded regarding motor vehicles? What watercraft exclusions apply? Are aircraft excluded from coverage? What property damage exclusions apply? What US and Canada exclusions exist? What is the Certificate of Employers Liability Insurance requirement? What right of recovery applies to Employers Liability? What cross liabilities extension applies? What is a Conditional Fee Agreement? What is a Collective Conditional Fee Agreement? How are Legal Costs & Expenses defined? What arbitration procedures apply to Legal Expenses? What happens if I have other Legal Expenses insurance? What is the cooling-off period for this insurance policy? Which insurers provide cover under this Carers Employment Insurance policy? How do I make a claim under Sections 1 & 2 of this policy? How do I make a claim under Section 3 Legal Expenses? What is the definition of 'Acts of Terrorism' in this policy? What is defined as 'Bodily injury' under this policy? Who is considered an 'Employee' under this policy? What does Public Liability cover under Section 1? What is excluded from Public Liability coverage? What does Employers Liability cover under Section 2? What are the limits of indemnity available? What is the Health and Safety at Work extension? What does the Legal Expenses section cover? What is covered under Employment disputes in Legal Expenses? How do I access the Legal and Tax Advice Helpline? When can I choose my own appointed advisor for legal expenses claims? How can I cancel this policy after the 14-day cooling-off period? What is the territorial limits of this policy? What happens if there is other insurance covering the same loss? What is the Consumer Protection extension? What is covered under the Wrongful Arrest extension? What does the Data Protection Act extension cover? What is the Overseas Personal Liability extension? What is the Sudden and Unintended Pollution extension? How does the Unsatisfied Court Judgements extension work? What are the Court Attendance Expenses? What reasonable care obligations do I have? What constitutes fraud under this policy? When must alterations to risk be reported? What happens in cases of non-disclosure or misrepresentation? What are my subrogation obligations? How do I complain about the sale of my policy? How do I complain about claims handling for Sections 1 & 2? When can I refer a complaint to the Financial Ombudsman Service? What personal information do you collect and why? What is the definition of 'reasonable prospects of success' for legal expenses? What does 'legal costs & expenses' include? What happens if I don't cooperate with the appointed advisor? When must I report a legal expenses claim? What employment disputes are excluded from legal expenses cover? How does the Employment Compensation Awards cover work? What happens if I want to settle a legal expenses claim? How do I access the Business Legal Services website? What is the aggregate limit for all legal expenses claims? When might a barrister's opinion be required? What cyber liability exclusions apply? What asbestos exclusions apply to this policy? What infectious disease exclusions apply? What is the maximum liability for terrorism-related employers liability claims? What hazardous locations are excluded from coverage? What is the Cross Liabilities extension? What is covered under Hire or Rented Premises extension? What is the Defective Premises extension? How does the conditional fee agreement requirement work? What fraudulent claims provisions apply to legal expenses? How are international transfers of data handled? What happens if I have a dispute with the insurer about legal expenses? What is the definition of a Self Employed Carers Insurance policy? Who underwrites the Self Employed Carers Insurance policy? What is the cooling-off period for this insurance? What are the territorial limits of this policy? What is the definition of 'Service User'? What are the different coverage levels available? What is the definition of 'Accident' for Personal Accident cover? What does Loss of Property cover include? How do I make a claim under Sections 1, 2, and 3? What is the definition of 'Bodily Injury' for Personal Accident? What are the broken bone benefit grades? What is covered under Legal Expenses? How do I contact the Legal and Tax Advice Helpline? What exclusions apply to Public Liability? What is the definition of 'Hospital Stay'? What does Permanent Total Disablement mean? How can I cancel my policy? What are the contact details for customer services? What general exclusions apply to the policy? What is the definition of 'Loss of Limb'? What is covered under Gold level overseas trips? What are the exclusions for Personal Accident cover? What is the definition of 'Reasonable Prospects of Success'? What is the definition of 'Principal'? What cover eligibility criteria apply to Personal Accident? What is covered under Health and Safety at Work Act defence? What is covered under Food Safety Act 1990? What is the maximum Personal Accident benefit for accidental death? What is the definition of 'Loss of Sight in Both Eyes'? What special conditions apply to task performance? How is hospitalisation benefit calculated? What is the definition of 'Quadriplegia'? What is the definition of 'Paraplegia'? How do I access the Consumer Legal Services Website? What are the data protection rights under this policy? How do I complain about the policy sale? What is the definition of 'Appointed Advisor' for Legal Expenses? When can I choose my own legal advisor? What fraud protection is in place? What happens if I have other insurance? What is the arbitration process for disputes? What is the subrogation clause? What governs this insurance contract? What is the definition of 'Legal Costs & Expenses' for Legal cover? What exclusions apply to Legal Expenses? How long is personal data retained? What marketing consent arrangements apply? What is the Financial Services Compensation Scheme protection? Can the policy terms be changed after purchase? When does cover automatically end? What should I do if lost property is recovered? What is the definition of 'Hemiplegia'? What is the definition of 'Loss of Hearing'? What are the benefit amounts for permanent partial disablement? What finger and toe loss benefits are available? What are the joint loss benefits? How is forced access damage covered? What is the definition of 'In-Patient'?

Does the Self Employed Carers Insurance policy cover live-in carers? Under the Self Employed Carers Insurance, am I covered when I take out clients in the car? What care activites/duties are covered under Self Employed Carers Insurance? What qualifications or training are required to take out Self Employed Carers Insurance? Am I covered if I provide care while working abroad? Are my personal belongings covered if I lose them at work? Can I pay yearly for my Carer/Domiciliary policy?

Is insurance mandatory if I am a Direct Payment User? Do any of the Carers Insurance policies provide cover for redundancy? Under Carers Employer and Direct Payment Insurance, is there a limit to the number of employees?

What care activities am I covered for under this policy? Are there any restrictions on tasks I can perform? Does this policy cover me taking clients in my car? Am I covered for work abroad? Does the policy include cover for loss of personal or clients’ property?

What does Domiciliary Employer Insurance cover? Am I covered if an employee injures themselves at work? Does the Public Liability cover damage to clients’ property? Is Employers’ Liability insurance a legal requirement? Does the policy provide cover outside of the UK?