Has my policy started?
Your policy starts on the commencement date shown in your policy schedule, as long as any conditions set by the insurer have been met, such as the first premium being paid. If you have not received your documents, or are unsure whether cover has begun, contact the insurer or the adviser who arranged it.
Your documents
You should receive a policy schedule and terms. Check your name, cover amount, term and premium are correct.
Replacing a policy
If this policy replaces another, do not cancel the old one until you have confirmed the new one has started.
If something looks wrong
Tell the insurer or your adviser straight away so it can be corrected.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026