• The premium payable
  • The excess (for insured and other drivers - named and unnamed)
  • The risks or events covered and period of coverage
  • Restriction on drivers (if any)
  • Restriction on where repairs could be done
  • Non-standard exclusions
  • Special accident reporting and claims procedures
  • The insurer's cancellation and refund policy


GIA recommends that your insurer provides an executive summary of key contract terms and obligations with your policy. Please make a point of requesting this if your insurer has not provided it. It is important to read your policy as soon as you receive it. This way, you can be sure that there will be no surprises should you need to make a claim.