To help you make the best, most informed decision about your insurance needs we have made all of our full policy documents available to download – see right. We recommend you read these carefully, noting in particular any limits or exclusions that may apply. If you have any questions we would be happy to help – simply email us or call 0333 331 3770.

For those of you looking to pursue greater independence by sourcing your own care and support under the government’s Direct Payments policy, we have also provided an overview of the scheme, who it applies to and how it works. In addition you can download our free Home Care Safety handbook, an essential guide for personal assistants and carers on how to minimise the risk of accidents and injuries. We strongly recommend that you provide this guide to anyone you employ to care for you in your home and ask them to acknowledge in writing that they have received it.

You can download the latest Adobe Acrobat Reader by clicking here.

All the PDF files below are available to view in increased/decreased font sizes by simply clicking on the + or – buttons on the top menu bar. When printing all our documents have been setup at A4 for your convenience.

Car Insurance

Car Insurance Policy Wording – Incepted before 1st August 2017

Car Insurance Policy Wording – Incepted after 1st August 2017

Car Insurance Policy Wording – Incepted after 1st January 2018

Independent Living Insurance

Policy Wording

Application Form

Mobility Scooter Insurance and Powered Wheelchair Insurance/Extended Warranty

Policy Wording- Mobility Scooter Insurance (Standard)

Policy Wording – Mobility Scooter Insurance (Extra)

Policy Wording – Mobility Scooter Warranty

Application Form

Manual Wheelchair Insurance

Policy Wording

Application Form

Mobility Equipment Insurance

Policy Wording – Equipment Insurance 

Policy Wording – Equipment Warranty

Application Form

Travel Insurance

For a full list of our Travel Insurance policy wordings, please click here

Carer & Personal Assistant Insurance

Policy Wording
Application Form

Prosthetic & Orthotic Devices Insurance

Policy Wording

Application Form

Chair Care Insurance

Policy Wording

Application Form

Adapted Home Insurance

Policy Wording
Terms of Business

Fish Terms of Business

Terms of Business