A moratorium is an authorised waiting or suspension period, this means that you have to wait a certain period of time before you can make any claims on your policy, and any claims that do arise within the moratorium period are unfortunately not covered, even after the moratorium ends. The moratorium is intended to prevent any fraudulent claims, please refer to your policy wording or certificate to find out the duration of the moratorium on your policy.

Self Storage - No moratorium
Home Buyers Protection - No moratorium
Home Emergency - 28 days
Landlord Home Emergency - 28 days
Household Appliance - 14 days
Mobility Scooter - 7 days
Wheelchair Insurance - 7 days
Carers (Self Employed) - 7 days (24 hours for Personal Accident section)
Carers (Employer) - 7 days
Direct Payment & Home Employment Insurance - 7 days (24 hours Personal Accident section)
Landlord Rent Guarantee - 90 days IF tenancy agreement starts BEFORE the policy start date. 14 days if tenancy agreement starts AFTER the policy start date.