When you go through your application, it's really important to be 100% open and honest with your answers to the insurers questions.
If you have certain medical or lifestyle disclosures the insurer might contact you directly for some additional information before the policy can start.
Sometimes the insurer will write out to your GP for additional information or may require you to attend a medical screening, before they can make a decision on your application. They will need your consent to arrange this.
This information all contributes to whether an insurer can cover you, and on what basis.
Once your application has been fully underwritten (i.e. once they have assessed all of the information needed), the insurer will write to you with the acceptance terms. They will let you know if your premium has increased or if there are any exclusions to be placed on your policy.
If you are happy with the terms that have been issued by the provider, you can start the policy if you wish to do so.
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