Business Insurance the Smart Way

... code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just a few minutes - no forms ...

read more

Business Insurance

... riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get ...

read more

Common Small Business Insurance Claims and How to Prevent them.

... . Whilst you've got the insurance to help you out, you ... ... and have a big impact on the running of your business and your bottom line. Whilst you've got the insurance to help you out, you'd ultimately rather avoid the disruption to your business that these unexpected events can ...

read more

Professional Attire Insurance

... hat better than a member of the Village People? There's now a revolutionary solution; Professional Attire Insurance, that covers you for any damage to your professional uniform, offering a rapid replacement service for ...

read more

Business Insurance in Cairns

... understand. Just took the hassle out of the experience. Professional.” Sharron W. Disability Services Provider How much does Business insurance cost? On average, small businesses in Cairns pay around $73.93** a month for ...

read more

How much does Business Insurance cost?

... based on NSW BizCover customers Most popular cover options taken out by food businesses Like retailers, Public Liability insurance is the most popular cover options taken out by 96% of food businesses, as this is one of ...

read more

Business Insurance in Bunbury

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

What is Business Insurance?

... of others that occurs while you are providing a service, either at your workplace or another location. Glass Insurance which covers the loss or damage to the glass within your premises, this could be internal or external ...

read more

Business Insurance in Melton

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance in Parramatta

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance in Toowoomba

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance in Townsville

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance in Wollongong

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance in Launceston

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance in Mackay

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance on the Gold Coast

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance in Geelong

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance on the Central Coast

... not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

read more

Business Insurance in Bundaberg

... for their property. “Very knowledgeable, very friendly and was able to answer any questions I had. Also had my insurance sorted out under 20 minutes which was fantastic. I know exactly what I’m paying for, and any fees ...

read more

Business Insurance in Newcastle

... should not be relied upon as advice. **We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

read more

Business Insurance FAQs

... got the answers! Check out our library of FAQ's designed to make insurance easy to understand. Get Free Quotes Ready to sort out your Business Insurance? Your small business is a big deal to us. Get the right cover ...

read more

Money

... machine- from the time you deposit the money until the time your financial provider ceases trading the following day. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in ...

read more

Business Interruption

... long it can take to get their business back up and running following a major insured event. Business Interruption insurance should be just one part of your wider disaster recovery plan - a plan that should include both a ...

read more

Portable Equipment

... that you had secured the specified property as required by the policy terms and conditions. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

read more

Machinery Breakdown

... which requires repair or replacement. There are a number of types of breakdown which are not covered by an insurance policy such as those related to wear, tear and gradual deterioration or a lack of service or repair ...

read more

Employment Practices Liability

... made against you during the policy period which you notify to them in that period *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information ...

read more

Statutory Liability

... insures the cost of fines and penalties, as well as pollution liability defence costs. *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The ...

read more

Theft

... cover your contents and stock from theft, attempted theft or armed hold up. It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of ...

read more

Goods in Transit

... the invoice paid by you All other goods including plant transfers - market value *As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information ...

read more

Insurance for Massage & Alternative Therapies

... $1 million worth of cover, or $2 million if you wish to be a recognised BUPA provider. Insurance for Massage Therapists Professional Indemnity* Your clients trust your expertise and knowledge to treat a variety of ...

read more

Insurance for Finance & Mortgage Brokers

... through BizCover that can meet the requirements of RG210. Public Liability* Public Liability insurance is a no-brainer for finance and mortgage brokers. Regular contact with your clients, either at your office or if you ...

read more

Insurance for Disability Workers

... of Business for Registered Providers (2017), participants are required to maintain an adequate level of insurance including Public Liability insurance and Professional Indemnity insurance. Through BizCover, you can ...

read more

Insurance for pharmacy and pharmacists

... highly competitive pricing on pharmacy insurance compared to other providers of pharmacy insurance within the market. Liability Insurances for pharmacists Professional Indemnity insurance* provides cover for you as ...

read more

How Does Professional Indemnity Insurance Benefit You?

... advisable that you have professional insurance, which can also be referred ... to as professional indemnity insurance. Professionals are expected ... by lawsuits. How to choose professional insurance providers You should consider the following when choosing a professional insurance provider. • Check whether or not the insurance provider has enough experience. • Verify ...

read more

Insurance for Furniture Manufacturers

... wrong. This is where business insurance comes into play and should ... . The process of arranging your insurance can feel overwhelming at times . ... their business. Working with some of Australia's leading insurance providers means we can provide a range of competitive quotes in minutes. Experience hassle-free insurance purchasing in a click of a button with BizCover ...

read more

What are the Insurance Options for Land Surveyors?

... yourself and your company with insurance is a smart investment. Land ... ... if an unfortunate or unexpected situation should occur. We work with leading insurance providers and provide quotes in minutes. *As with any insurance, cover will be subject to the terms, conditions and exclusions ...

read more

5 Tips for an Insurance Health Check

If your insurance is due for renewal or ... a health check of your insurance to ensure that if the ... ... worth taking time to do a health check of your insurance to ensure that if the unthinkable happens and your ... options Check the payment options available as some providers offer a discount for paying annually which could ...

read more

A Guide to PI Insurance

... to make Professional Indemnity Insurance simple (also known as ... errors and omissions insurance, PI or Professional Indemnity ... is Professional ... , and purchase in only a couple more. BizCover also allows business professionals to compare policies from leading insurance providers (AIG, Dual and Vero) to make sure that you're getting the cover you need. By staying ...

read more

iSelect partners with BizCover to launch business insurance comparison

... expanded their general insurance offering to include business insurance, through a partnership ... , Australia's leading small business insurance ... , through a partnership with BizCover, Australia's leading small business insurance service provider. Through the BizCover partnership, iSelect is now offering small to medium (SME) business owners a full end-to-end ...

read more

Business Insurance Guide for the Self-Employed - Part 2

Navigating the world of business insurance can be confusing which is ... created a guide to business insurance for the self-employed that ... and outs ... policies may even include coverage for PR related expenses, something that should be confirmed by your insurance provider. Claim example The Insured was an architect hired to provide advice and calculations related to ...

read more

Business Insurance Guide for the Self-Employed - Part 1

... are a variety of business insurance [] ... cover*, but you should check your policy wording/product disclosure statement or contact your insurance provider for details. Cover for Product Liability protects your businesses against claims by third parties ...

read more

5 Questions to ask yourself before buying Insurance for your Small Business

Know you need business insurance but aren't sure how ... while and looking to buy insurance for the first time; there ... ... due to an accident or illness? 2. What types of insurance do I need? Now that you have a fair idea ... is a long and complicated process, so try to find a provider who will sort it out for you whilst keeping you updated ...

read more

Business Interruption Insurance: Your 'Get Out of Jail Free' Card

... 'lock up' operations. Business interruption insurance can provide both peace of ... ... two very important questions. Do I have Business Interruption insurance? And, are both the property and the cause of ... is already on its way to recovery. Just contact your provider, and let your 'Get Out Of Jail Free' ...

read more

BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... .com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance solutions ... revenues under 2.5 million dollars) have not had many alternatives when it came to buying business insurance. BizInsure has entered this space to satisfy the needs of this important and growing market; small business ...

read more

Insurance for Gift Shops

... equipment, stock, plant and machinery, records and furniture belonging to you at the insured location. Building* - This insurance will cover for loss and damage to buildings you own, as a result of an insured event (such ...

read more

Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses ... . Failure in obtaining public liability insurance policy can expose a business ... ... or damage to a third party as a result of your business' activities. Failure in obtaining public liability insurance policy can expose a business to a range of risks. As a business, you will inevitably have interactions ...

read more

7 Types of Insurance Your Small Business Should Consider

... is Small Business Insurance. But what kind of insurance do you actually ... ... of a salon owner who has a shop front. However, one thing's for certain, and that is, finding the right insurance is an essential part of managing the risks involved in operating your business. And let's face it - all ...

read more

What Tradies Need to Know About Public Liability Insurance

... the most common types of insurances for tradies, but do you ... and outs of Public Liability insurance and what you need to ... . So what is Public ... t quite go plan. As a tradie, it can even be a contractual requirement that you have Public Liability insurance in place well before picking up the tools and putting boots on site. Always check the level of cover that ...

read more

Business Insurance Guide for the Self-Employed - Part 4

... piece of our Business Insurance for the self-employed ... Accident and Illness insurance and Cyber Liability insurance. We share ... is Personal ... at work. He required surgery and time off work to recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week for a period of six months. The total policy benefit ...

read more

Business Insurance Guide for the Self-Employed - Part 3

... in the world of business insurance, it can feel like you ... guide on all things Business Insurance for the self-employed. In ... back to basics ... a call from the Australian Tax Office (ATO) requesting an audit is enough to make you panic. Tax Audit Insurance covers a business for specified costs if the ATO selects it for auditing. The policy covers the costs of ...

read more

Finding the Right Business Insurance Can Be Hard but BizCover Makes it Easy

... and your assets with business insurance. However, figuring out exactly what ... 's why a group of insurance industry [] ... in the market, only those listed on our website. We act as agent of the insurer in respect of any insurance policy purchased through us and not as your agent. Any advice provided is general advice only and does not take ...

read more

BizCover SME Insurance Price Index Q1 FY20

... reductions on their Public Liability insurance, while prices have remained steady ... ... its highest in five years and transport costs increasing steadily. The increase did not affect the cost of insurance for small businesses on the BizCover platform as prices dropped to the lowest point in 24 months. The ...

read more

Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless [] ... ... a contract or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What can ...

read more

Insurance for Civil Engineers- what you need to know

... about what kinds of business insurance coverage you may need to ... ... in the hard-yards to build your engineering business, so it's important to think about what kinds of business insurance coverage you may need to help ensure it is protected. As much care as you may take to prevent things ...

read more

Dishing up the facts on food business insurance

... you have the right business insurance. When it comes to insuring ... ... it can feel like there is an overwhelming choice of policies and policy options to choose from. Why do I need insurance for my food business? Whether you are serving up fancy dishes in a restaurant, coffees in a café or ...

read more

Keep calm and stretch on with Yoga Teacher insurance

... of arranging your yoga teacher insurance go. As a yogi or ... business. Let us centre your insurance chakra by exploring some of ... Breathe in, breathe out, and let a wave of calm wash over, letting the stress of arranging your yoga teacher insurance go. As a yogi or yogini, you don't have time to be worrying about having the right cover in place to ...

read more

BizCover SME Insurance Price Index Q1 FY21

... clients buck the trend of insurance price hikes. Whilst the Australian ... the availability and pricing of insurance for SMEs, BizCover can report ... , there were some clear winners and some losers. The Full Report can be viewed here: SME Insurance Price Index Public Liability insurance is an essential cover for SME's and one that most can't afford to operate without ...

read more

Management Liability Insurance

What’s included & what’s not?Get the right coverCould this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

read more

Small Business Insurance Price Index Q3

Insurers hold on to SME Insurance Premium Price Increases! Despite a ... BizCover Small Business Insurance Price Index has shown insurance rates ... Director of BizCover commented “While there is still an abundance of capacity and fierce competition in the insurance market, insurers have managed to hold onto their rate increases from last quarter. I suspect given the ...

read more

Things you didn't know about small business insurance

Getting the insurance sorted for your small business ... , compare quotes and buy the insurance that suits your business. But ... not know about small ... to review and update your coverage every year. No doubt your business is on the move and changing and so your insurance needs will also be changing and you'll want to make sure you have a policy that covers your business ...

read more

STABLE INSURANCE RATES A REASSURANCE FOR SMEs

BizCover's SME Insurance Price Index has unveiled a ... the COVID-19 pandemic with insurance rates remaining flat for a ... acquired from BizCover's ... year and fell a further seven per cent this quarter,” he said. “Key sections of business pack insurance that are frequently used by retailers such Contents, Glass and Theft all showed noticeable price declines. “The ...

read more

BizCover SME Insurance Price Index Q2 FY20

More larger businesses with simple insurance needs are using BizCover for ... their insurance, while smaller businesses benefit from ... this quarter ... decline that began 12 months ago. The increase can be attributed to more demand for Business Contents insurance particularly from businesses with an annual turnover greater than $400,000. Cover for contents in the Trades ...

read more

Professional Indemnity Insurance for Civil Engineers

... a professional, considering Professional Indemnity insurance to protect* you and your ... ... Policies for Civil Engineers When it comes to insuring civil engineers, there's no one size fits all insurance solution because every business is different and no two businesses are the same. Each business has its own ...

read more

Small Business Insurance Index

... price increases in the business insurance market, SMEs are continuing to ... the cost of business insurance, the BizCover SME Insurance Price ... Retail & Hospitality. Whilst all three groups saw have seen no increases in the overall prices for their insurance, there have been changes within product groups and industries. The Full Report can be viewed here. Trades ...

read more

A guide to Plasterer's insurance that won't leave you, board

... by not having the right insurance in place? Read on to ... ... cover with the right limits in advance. Some industry bodies will require you to have your own Public Liability insurance policy before being able to join Cover your bits Your tools of trade are vital to getting the job ...

read more

How the cost of Professional Indemnity insurance is calculated

... of a Professional Indemnity (PI) insurance policy is calculated and why ... the cost of Professional Indemnity insurance. Insurance policy pricing ... than another? We look some of the key factors that that impact the cost of Professional Indemnity insurance. Insurance policy pricing is generally calculated on risk factors and put simply, the higher the level of risks ...

read more

5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically ... ... make themselves welcome. Glass cover is often an option that can be taken out as part of your Business Insurance policy. In some cases may even be a requirement by your landlord. It not only covers repair or replacement ...

read more

5 Things to Consider When Buying Public Liability Insurance

Public Liability insurance. It's one of those ... ... of cover. Understanding the nitty-gritty can save you in the long run, so don't be afraid to ask your insurance agent what certain features and benefits are if you are unsure. At BizCover we want to make getting your ...

read more

Tax Audit Insurance

... services of an external accountant or similar professional and their fees can be substantial. With the right Tax Audit insurance in place, you can at least minimise the cost of an audit to your business, even if you can ...

read more

Insurance Premiums for Retailers Continue to Climb

Insurance Premiums for Retailers Continue to ... The latest BizCover Small Business Insurance Price Index has been released ... an increase in small ... 1), and similar to quarter 2 of last financial year, the index is showing an increase in small business insurance rates, with the index rising 3 points over last quarter. This increase however is not universal. Graph 1 ...

read more

Small Business Insurance Index Q2: 5 point increase, largest in 10 quarters

The Quarterly BizCover Small Business Insurance Index has shown that Australian ... enjoyed the end of declining insurance premiums with an increase of ... increase of 5 points in the second quarter of FY2015/2016, the first increase seen in 10 quarters. This brings the insurance rates back to the same level as Q4 2013/14 (6 quarters ago). It should be noted that rates are ...

read more

What Limit of Professional Indemnity Insurance Do I Need?

... 'What limit of Professional Indemnity insurance do I need?' While this ... ... a good idea to contact the association and check whether there is a minimum limit of Professional Indemnity Insurance you are required to maintain to comply with their compliance requirements. They may also be able to ...

read more

Misconceptions Around Professional Indemnity Insurance

... that the claims professional indemnity insurance covers are only the experiences ... ... to time depending on the size of a job contract or the level of risk involved. Businesses or consultants whose insurance coverage is not sufficient may need to draw funds from their own pockets and that is never a good ...

read more

Additional Cover for Professional Indemnity Insurance

... Fernando for his certificates of insurance - it's just part ... ... claiming a product caused them a personal injury or property damage, it is vulnerable to costly legal action. PI Insurance protects small businesses from this type of action. Unlike Hish, Lynn's clients don't ask to see ...

read more

Social Media Insurance

... , try to make a sale out of a day of grieving, or trying to jump on a politically charged bandwagon. The insurance will cover your costs of PR to rebuild your brand, costs of loss of sales and other costs in the case of ...

read more

Insurance for Restaurants & Cafes

... & Cafes Why do Restaurants & Cafes need it? Take a minute to sit back, relax and look at our menu of insurance options for your business. What's more, you don't need to shop around to find the best cover solutions. With ...

read more

Insurance for Nurses

... Even if you are covered under your employer's insurance policy there is no guarantee that you will be ... one claim or a series of claims during the period of insurance add up to and exhaust the specified Limit of Indemnity, ...

read more

Insurance for Bakers

... damage a third-party's property or if your baking tools were to be stolen. This is where business insurance comes into play and provides the peace of mind you need with cover that can protect your bakery business ...

read more

Professional Indemnity Insurance 101: For Allied Health Professionals

... yourself is with professional indemnity insurance. This type of policy provides ... ... so you can find the right cover at the right price. BizCover is the best way to get immediate insurance protection, and because everything is online, there's no messy paperwork involved. To find out more, go to bizcover ...

read more

Michael Gottlieb featured in Insurance Business

In January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The In January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business - The Year Ahead

read more

Michael Gottlieb Featured on the Insurance Business Hotlist for 2014

... successful in taking out the Insurance Business Brokerage of the Year ... ... the broking world, and not just because his Mega Capital business was successful in taking out the Insurance Business Brokerage of the Year award and featured in the Deloitte Technology Fast 50 Australia ranking for the ...

read more

Small Business Continues to Win on Insurance Prices!

... ; however the BizCover Small Business Insurance Price Index for the first ... ... they have remain flat over the quarter (Graph 1). A win for small businesses! Prices across all insurance classes were stable across the quarter, and this was reflected across most industries as well. The retail industry ...

read more

Sometimes Professional Indemnity Insurance is Needed

Professional indemnity insurance is handcrafted to provide coverage ... ... any potential policy holder needs to consider when deciding upon whether or not they should buy professional indemnity insurance is the potential financial loss that can occur as a result of legal fees whether or not you ...

read more

Insurance for Professionals

... your business. We provide insurance for a broad range of professionals, including: Accountants Architects Bookkeepers & BAS Agents Consultants Engineers Finance & Mortgage Brokers IT Professionals Marketing ...

read more

Small Business Insurance: Why you might want to ensure you're covered!

Running a business can be rewarding, challenging but also stressful. While you will are taking control of your earning potential and the upside can be great, there are ... business sectors you'll find certain types of insurance is required. For example you'll find Professional Indemnity is comp ulsory for finance and mortgage brokers, real estate agents, architects/draftsmen, bookkeepers ...

read more

Insurance by Industry

... aware that those who operate in varying industries, often have specific insurance needs and so we aim to provide a policy to suit you ... Engineers Electricians Handyman Finance & Mortgage Brokers Furniture manufacturer Gift ...

read more

Don't let your business be an online target - what you need to know about Cyber Liability Insurance

While the terms 'cybercrime' and 'data breach' may not have existed 25 years ago, they are now commonplace threats facing small business. In fact, in 2017 approximately ... your website can be A real claim scenario involved a mortgage broker who had a malicious code installed on their website. ... damage as a result. Fortunately, the insurance broker held a Cyber Liability policy and ...

read more

Insurance for Allied Health Professionals

... upon your expertise and knowledge. All Allied Health providers are human, making it possible for treatment ... leave you severely out of pocket. Business Insurance* is an insurance package designed to provide cover for your ...

read more

The Risky Business of Insurance

What are the Real Costs to Australian Small Business? Small business owners tend to be juggling many balls - managing clients, cash flow, staff, stock and future planning ... policies and prices from a number of different providers online, and instantaneously buy one that suits you.” Gottlieb's top three tips to assessing your insurance needs are: Analyse your specific risks: identify what ...

read more

Reviews related to mortgage providers insurance

  • product knowledge and advice are excellent

    Frank F
    Other

  • Easy to read understand and follow

    Tui d
    Other

  • Easy As!! Thank you

    Casey W
    Entertainment

  • EASY CONVENIENT!

    HONGWEI Z
    Travel

  • Excellent Customer Service

    Trevor C
    Other

Get instant quotes

The business of Business Insurance*

Whether you have just served your first customer or you have been in your business for many years, you have put a lot of time and effort into building your business. Don’t risk wasting all this effort by not protecting your business assets from unexpected events. No matter how much you plan and prepare for things, sometimes there are circumstances that are out of your control – you need to ensure you have a plan to protect your business today to ensure you’ll be in business tomorrow.

Business Insurance can provide financial cover for your business, including the premises and contents, against loss, damage or theft as well as cover against any resulting financial loss from an insured interruption to the business. The type of cover and amount will depend on the nature of your business and what areas you think you are the riskiest for you. Pick and choose the cover options that suit you best. And you can include Public Liability Insurance to ensure you are not financially responsible for the costs of a legal claim should a third party get injured or suffer property damage whilst you are doing business.

Excellence in Customer Service


Independent feedback from our customers rated our service at excellent.

What is included?

A) Material damage loss for your physical assets

B) Financial loss due to Business Interruption

Choose cover options below!

What is typically NOT covered?

  • Negligence/breach of duty arising from an act, error or omission as a result of your professional services
  • Flood damage is generally excluded from standard policies
  • Known claims and circumstances

Download Business Insurance Fact Sheet

Link to Business Insurance Factsheet

Get the cover that is right for you

Your business may be considered ‘small’ but it’s big to you and big to us. That’s why we want to make sure you have the right protection. We offer various cover options to suit a variety of businesses.  Take a few minutes to consider some of the following risk areas and think about which ones impact you and how much cover your business would need should things not quite go to plan.

*As with any insurance, cover is subject to the terms, conditions and exclusions contained in your policy document.  The information contained on this webpage is general only and should not be relied upon as advice.