Any pre-existing condition is excluded from cover and claims for any condition that showed signs or symptoms prior to the purchase of your policy will not be accepted. All claims are assessed on an individual basis, on their own merits and in accordance with the specific policy terms and conditions applicable to the policy you have chosen. Please ensure you familiarise yourself with the information supplied within the policy documentation, our website and sales journey.

If you have any questions, feel free to contact us at claims@scratchandpatch.co.uk or call us on 0330 102 6839 and choose option 3.