If you're entitled to insurance cover, then that starts immediately your payment is confirmed (some PayPal payment methods take a few days to "clear"); you can also contact us for information and advice immediately. Some services, including issuing you with a password for the members' area of the website, take a week to ten ten days to activate.

If you want an insurance certificate you have to ask us for it - they are not issued automatically

Membership is for a minimum period of a year and then runs yearly. If you do decide to cancel at any point we cannot refund any outstanding portion of your subscription. We normally take fees quarterly for your convenience, but we reserve the right to ask for yearly payments, or to refuse applications altogether.

We will only know the email address you use for your PayPal account. If that’s not one you use regularly you must email us here as soon as you subscribe otherwise we have no way of contacting you!