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We’re committed to helping our customers understand insurance. Here’s a list of common words and phrases you will come across in your policy and when making your decisions.

All | A B C D E F I L N P R S U V

There are currently 5 entries in this directory beginning with the letter E.

Employers Liability Insurance

This covers employers for the costs of compensation claims resulting from their legal liability to employees for injury, illness or disease sustained at work. With some exceptions this is a legal requirement within Great Britain.

Endorsement

A document that amends, alters or changes the cover provided by the standard policy wording or the details contained in the policy schedule.

Excess

The amount you must bear yourself, before the insurers pay your claim.

Exclusion

Within a policy this is the provision which excludes an insurer’s liability in certain circumstances or for particular types of loss.

Extensions

Where a policy is specifically extended to provide wider cover than the standard policy wording.

Clear Councils is a trading style of Clear Insurance Management Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales number: 3712209 Registered office: 1 Great Tower Street, London, EC3R 5AA.

We are covered by the Financial Ombudsman Service. You can find out more at www.financial-ombudsman.org.uk.

Clear Insurance Management Limited also provide risk management services and guidance which is not regulated by the Financial Conduct Authority. Any protection provided by the Financial Ombudsman Service or the Financial Services Compensation Scheme does not apply to this specific business activity and we will inform you of this before undertaking the business activity.