Please read the following carefully to make sure that you read the correct document(s) for your policy.

For policies commencing on or after 1st January 2010, the following document applies:

• Policy Wording and Key Facts Summary
  

For policies commencing between 1st April 2009 and 31st December 2009, the following documents apply:

• Key Facts Summary
• Policy Wording

For policies commencing before 1st April 2009, the following documents apply:

• Key Facts Summary
• Policy Wording