# Insurance Policy & Terms Summarizer

Insurance policies and terms & conditions are where the surprises hide. Upload the policy wording or the T&Cs and get what is covered, what is excluded, the limits and deductibles, how to claim and how to cancel — with page references.

## Key facts

- Covers what is insured, main exclusions, limits, deductible/excess, premium, claims procedure and deadlines, cancellation and renewal, policyholder obligations.
- Ends with points worth checking before you rely on the cover.
- Works for home, car, travel, health, life, pet, liability and business policies, warranties and service T&Cs.
- Ask “Am I covered if…?” — the answer quotes the relevant clause and page.
- Not legal or financial advice.

## 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

1. **Upload the full policy wording** — Not just the schedule or the product sheet: exclusions are in the wording.
2. **Keep “Insurance policy / T&Cs” selected** — Detailed is preselected.
3. **Read the exclusions first** — They define what you are really buying.
4. **Ask scenario questions** — “Is water damage from a leaking roof covered?”, “What if I travel for more than 60 days?”.
5. **Confirm with the insurer** — For 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 policies?** — Summarize each one and compare coverage, exclusions and limits side by side.

## 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.

## FAQ

### 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.

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Source: https://pdf-summarize.com/tools/summarize-insurance-policy — PDF Summarizer (free PDF summarizer, Q&A with page citations, OCR, REST API). Site overview: https://pdf-summarize.com/llms.txt