Ask an Expert


If cover has been changed from one provider to another at renewal and it has always been known that policies take effect and expire on 4pm on the day, what happens if a claim occurs right on 4pm? Who is considered to be the insurer, the out-going insurer or the new insurer? 


Reply... Crossley Gates 

Possibly double insurance, subject to the double insurance clauses in both policies. However, the insured peril would have to occur exactly at 4 pm, not a second before and not a second after - an unlikely scenario? 

Dec 2019

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