General information only
The guides on Cairn Cover are for general information and education. They are not financial, legal, tax or insurance advice, and they do not take your personal circumstances into account.
We are not an insurer, broker or adviser
Cairn Cover does not sell insurance, arrange cover or handle claims. Nothing on this site is an offer of insurance or a recommendation to buy a particular product.
Your policy wording decides
Insurance policies differ by insurer, product and date. What is covered, excluded or limited is set out in your own policy documents. If a guide here and your policy disagree, your policy wording applies.
Rules differ by country and place
We write each guide for one country, and where it matters for a state, province or region. Laws, regulators and customary practice change. Check the guide's last-reviewed date and confirm important details with the relevant regulator, your insurer or a licensed professional.
Get advice for your situation
For advice that fits your circumstances, speak to a licensed insurance broker or adviser in your country.
Links to other sites
We link to sources and other websites so you can check what we say. We do not control those sites and are not responsible for their content.
Accuracy
We work to keep guides accurate and current, as described in our fact-check and review process, but we cannot guarantee that every guide is complete or up to date at the moment you read it. If you spot a problem, tell us.