Unless otherwise agreed, English law will apply and all communications and documentation in relation to this policy will be in English.
Rafidain Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. You can confirm our registration on the FCA’s website, www.fca.org.uk or by contacting the FCA on +44 783 974 9373.
Rafidain Bank will not provide you with any advice or recommendation as to the suitability of the insurance products in these product information pages, so that you can make your own informed decisions.
Always give us accurate information
It is essential you give us accurate information and tell us about anything that might affect your application. If you don't, we may not be able to pay any claims you make.
Always check to see if you are covered elsewhere
You cannot make the same claim twice, even if you've been paying for duplicate cover.
Stay covered when you switch
If you have existing cover and want to switch to us, make sure that your new Rafidain Bank policy starts as soon as your old one ends.
Regularly review your insurance needs
Your circumstances may change over time. Remember to regularly review your insurance needs including your level of cover and tell us of any changes you want to make. Your premiums may increase if you require additional cover, so you may need to take your other financial commitments into account.
Make sure you understand what you're getting
Please ensure that this policy is right for you and that you understand what is and is not covered. We cannot pay a claim for something that's not covered and we won't be able to refund premiums for the period that we've provided cover for. So if there's anything you don't fully understand, please ask us to explain it to you before you go ahead. That's what we're here for.