Insurance Policy Summary Reader: What It Says, in Plain Words
Summarise cover and exclusions without giving advice.
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.
Summarise my insurance policy. The policy text or schedule: [POLICY_TEXT]. The kind of loss I am concerned about: [LOSS_TYPE]. The excess or deductible, limits and dates shown: [LIMITS_AND_DATES]. Produce a one-page summary with: what is covered in plain words, limits and sub-limits, excess, key exclusions, conditions (security, notice, maintenance, vacancy), claim steps and deadlines as written, and the contact details for claims. Then make a table of 'if X happens' scenarios that I list: [SCENARIOS], with the clause that appears relevant and a question for the insurer. Highlight definitions that could matter (for example, what counts as 'sudden' or 'accidental'). Create a checklist of documents to keep ready. State clearly that this is a reading aid and not a coverage opinion; the insurer decides claims. Mark anything that needs clarification [VERIFY]. This is not legal advice. Quote no statute from memory. Use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] as given. Point me to a consumer agency. Keep every draft calm and fair.
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