Policy Wording & Summary Booklet
A summary booklet that explains the three sections of the TopCover policy is available for your reference.
A soft copy version in .pdf file format is available for download here
This booklet is a useful guide to your policy, but it is a summary only. Please always refer to the full policy wording which is issued to all individual policy holders.
The TopCover policy is divided into three sections of cover. Each section is laid out in such a way to describe the cover, and how the policy responds to particular claims circumstances. Exclusions applicable to each section are clearly listed.
When a policy is issued to you, it is accompanied by a Schedule which specifies the person(s) who are insured and level of benefits selected. Please keep your policy and Schedule in a safe place and advise your next of kin of its whereabouts.
To view a specimen TopCover policy please request a copy though the contact page.