What the summary covers
- Coverage — what events, items or people are insured.
- Exclusions — the main situations not covered, which often matter most.
- Limits and deductibles — maximum payouts, per-claim excess, waiting periods.
- Premium and payment terms.
- How to claim — who to contact, documents required and deadlines.
- Cancellation and renewal — notice periods, automatic renewal, cooling-off period.
- Your obligations — declarations, security requirements, maintenance.
- Points worth checking — ambiguous or restrictive clauses.
How to summarize an insurance policy
- Upload the full policy wordingNot just the schedule or the product sheet: exclusions are in the wording.
- Keep “Insurance policy / T&Cs” selectedDetailed is preselected.
- Read the exclusions firstThey define what you are really buying.
- Ask scenario questions“Is water damage from a leaking roof covered?”, “What if I travel for more than 60 days?”.
- Confirm with the insurerFor any important scenario, ask the insurer in writing and keep the answer.
Questions worth asking your policy
- What is the claim deadline after an incident?
- Is there a waiting period before cover starts?
- Are pre-existing conditions or previous damage excluded?
- Does the policy renew automatically, and how do I cancel?
- What documents do I need to make a claim?
Comparing two offers
Summarize each policy with the same settings, then compare the sections in order: coverage, exclusions, limits, deductible, premium. Differences in exclusions and limits are usually more important than a small price difference.
Frequently asked questions
Does it tell me whether I'm covered?
It tells you what the policy says about your scenario and quotes the relevant clauses. Only the insurer can confirm cover for a specific claim.
Can it read the small print in scanned policies?
Yes, with OCR. Very small print in low-quality scans may produce errors — check figures and deadlines in the original.
Does it work for terms & conditions of online services?
Yes: subscriptions, warranties, software licences and service T&Cs follow the same logic of obligations, limits, cancellation and liability.
Can I summarize a policy in another language?
Yes. A policy written in another language can be summarized in yours (20 output languages).
Is this financial advice?
No. It is a reading aid. For decisions, compare the original wordings and ask a licensed adviser if needed.