Alex Watts : Hello my name is ***** ***** I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply, but rest assured I will be giving your question my immediate attention upon return You do not need to wait here as you will get an email when I reply.
Alex Watts : It is best to clarify with the insurers as to the term before you take it out,
Alex Watts : But generally it does mean immediate family, so son, daughter etc.
Alex Watts : But they may exclude this at a different address, so you should check with them.
Alex Watts : It should say in their policy conditions
Alex Watts : Can I clarify anything for you about this today please?
Hi Alex - Talking to the insurer you only get a call centre and I dont think the operatives there really know any detail - they just pressurise you to sign up!. I read the whole policy document and 'your family' ( together with other terms) is put in bold type throughout so I thought there would be a section on definitions of terms but there wasn't - hence my question. I saw online an American definition that said 'a group of people related by blood or marriage at a single address' but nothing similar in UK.
Alex Watts : Is a matter of contract in this case. There should be in their terms and conditions a definitions paragraph
Alex Watts : This should detail what is meant by your family.
Alex Watts : As it is a matter of contract at this stage, not law you need to get them to define the exact term and what it means.
Alex Watts : Does that clarify for you?
As I said - no definitions in the policy document as supplied when you sign up - I'll ask for more detail from the company.