Are your children all aged under 18; or under 26 if in full time education and living with parents/guardians outside term time?

If not, you cannot obtain cover for them under the family option and they will need individual policies. Please re-select your family type option.

Anyone who uses or has used any tobacco product, including nicotine replacements, within the 36 month period prior to:-

• the start date of the policy
• the date of transfer to a higher level of cover
• iii. the date on which a diagnosis is made which results in a claim.