Frequently Asked Questions

Sinclair has not been rated yet by any rating company. Sinclair is authorised and regulated by the Ukraine Insurance Department, and complies with its regulations and requirements. Nevertheless, Sinclair has adopted coservative rules concerning capital, reserves & solvency margins.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Sinclair is registered in the Republic of Ukraine, Registration Number 33750460, authorised and regulated by the Ukraine Insurance Department.

N.M. SIM Management Limited is an authorized representative of Sinclair Insurance Company Limited. We have commissioned our authorized representative to provide certain underwriting services such as issuing and dealing with customers and insuring recovery of premiums and claims. N.M. SIM is not an authorized representative for Sinclair in Australia under the Australian Financial Services Regime.

We have 24-hour-a-day voice messaging numbers where you can leave messages, and we get back to you as soon as possible. For your convenience and to save you money, we suggest that you write us every time you have a question to us, however, if you feel you want to leave us a voice message, or call one of our coverholders, please go to the Contact Us Page in this website - all contact details appear therein. Again, we recommend that you forward your queries to us by email (at info@sinclairpremium.com) or at our website, www.sinclairpremium.com, on the "Contact Us" page. This will allow a prompt and accurate reply to your questions.

The law is binding in respect to the confidentiality of our customer's personal information and that includes your information. In most countries, local legislation prohibits the disclosure of customer records by insurance companies as well as other institutions such as banks. Please read the Privacy Statement on our website. We fully describe there our commitment to your privacy and discretion.

LESLI stands for “List of Eligible Surplus Line Insurers,” which is issued by most US States' Insurance Commissioners/Directors. This list provides the names of companies that have been verified and endorsed by a State to become eligible to write Surplus Lines Insurances. The stipulations to figure on the list vary from State to State. In some cases, regulatory bodies demand that the acquired insurance policy be supplied by an insurance company that is either rated or figures in the LESLI. At present, Sinclair does not appear in any LESLI.

For certain insurance coverage we stipulate that "This coverage is subject to the 'Minimum Earned Premium' (MEP)," and we indicate the amount of the MEP. This is not an indication of a surcharge or an amount that will be added to your quoted premium. It only means that if, for any reason, you cancel your policy the minimal charge of cancellation will be the amount of the MEP. For example: if your annual premium is $1,200.00 with a calculated MEP of $500.00 and after 1 month you decide to cancel your policy, you will be charged for an MEP of $500.00. This applies even if your monthly premium payment before cancellation was $100.00 ($1,200.00 divided by 12 months).

In order to have access to your Certificate of Liability, visit the website and click on Login. Enter user name and password, which will take you to "Account Management." On the side of the screen you will see "Manage Your Account." Click on the link "Issue a Certificate of Liability." You are able to view and print the certificate at your convience.

After you make a premium payment, you are entitled to issue Certificates of Liability and add Additional Insureds to your policy (refer to the terms for doing so at the website). Please go to our website and click Log In. If you are a new customer, you can then apply for your personal password, which will enable you to access your personal account in our secure customers area. You will receive your password via return e-mail. Then, using the password that we provide and your e-mail address, you can log in to your personal account and issue Certificates of Liability and add Additional Insureds to your policy.

Anyone who is an "interested party" can be added to your Professional Liability Policy as "Additional Insured." This includes employers, landlords, institutions, governing bodies, state and municipal authorities.

We do not work with USA brokers and agents. We are not admitted or listed in the United States, therefore not permitted to do business transactions with brokers and agents there.

We welcome agents and brokers, however, we must take into account the legal implications involved in such contacts. If you are an Australian Producer (Agent, Broker or Underwriting Agency), we will be glad to establish contact with you and explore the possibilities of mutual work. Of course we pay commissions to producers. You may place with us only those covers that fall under APRA List of Exemptions, such as: atypical risks (Nuclear, War, Terrorism, Satellite or Space, Biological Risks, Medical Clinical Trails and Aviation Liability). Please fax us complete contact details and we will establish contact with you.

If you are a USA insurance agent, broker, surplus lines broker - you cannot place your customers' policies with us, as you are limited to work with either US admitted insurers or insurers that are listed on your state's LESLI list or your Insurance Director's List - and we are neither.

We welcome agents and brokers, however, we must take into account the legal implications involved in such contacts. If you are an Australian Producer (Agent, Broker or Underwriting Agency), we will be glad to establish contact with you and explore the possibilities of mutual work. Of course we pay commissions to producers. If you wish to place any of our standard covers with us, please fax us complete contact details and we will establish contact with you. If you are a USA insurance agent, broker, surplus lines broker - you cannot place your customers' policies with us, as you are limited to work with either US admitted insurers or insurers that are listed on your state's LESLI list or your Insurance Director's List - and we are neither.

1. Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have. . A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have. . A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have.

As a Architect/Engineer you are exposed to professional and personal risks,so you need to be covered by Personal Liability.

Professional Liability covers against errors and omissions made while you perform your professional duties. You may find a different policy called E&O which is more suitable for directors and officers - but in this case, the policies would be similar. When you purchase our Archtect's & Engineer's Liability Insurance - you are covered against E&O.

Some registration boards in Australia require minimum of AUS$ 200,000.00 or 20% of sum insured for defence costs, as well as at least one automatic reinstatement in case of paid loss or claim. Upon request, we issue an endorsement for Architects and Engineers residing in Australia certifying these minimum requirements. This endorsement is issued at no further cost to the insured.

As of July 01, 2008 DOFIs (Direct Offshore Foreign Insurers) are required to be authorized in Australia by APRA (Australian Prudential Regulation Authority). There are limited cases in which Australians can place insurance covers with Offshore insurers. APRA published these cases ("Limited Exemptions"), and they include "Atypical Risks". APRA recognises that there are a number of limited specific atypical insurance risks that currently cannot be placed, on a stand-alone basis, with authorised insurers. They apply to the following lines of insurance: • Nuclear • War • Terrorism • Satellite or space • Biological risk • Medical clinical trials • Aviation liability, and • Shipowners protection and indemnity other than for pleasure crafts. The insured will self-assess against this list of insurance lines. If the insured is seeking a policy that corresponds to one of these lines, the business could then be placed with a DOFI without the DOFI being in breach of the prohibitions. Sinclair accepts these types of covers from Australian customers and brokers.

You can contact I.A.C.E. (International Association of Care Experts) and become a member. As an IACE Member, your membership includes a Professional Liability Policy, so you dont have to renew or purchase one. Just write IACE at info@siminsure.com or fax: +61 (2) 9475 0969.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Presently, we are an Unauthorized Foreign Insurer in Australia. This means that you can purchase our insurance products, as we act offshore Australia, but we are not licensed or admitted in Australia, nor are we regulated by the Australian Regulators, including APRA or ASIC. We fully comply with any APRA requirements to ensure we are properly advising you of our status, and that you are aware of our acting offshore Australia. We invite you to contact us for any further clarifications.

No, we provide Insurance Coverage only for vehicles that are owned or leased.

We provide two different Insurance Coverages. 1)Comprehensive Cover. 2)Third Party Property Damage Only.

Buy only what you want: theft cover, accidental losses/damages, third party cover. Buy and pay for one, two or three parts. We trust you to be a wise customer, and you can control your costs this way.

Yes, we do provide coverage for small businesses and/or property.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Yes, you can reinstate the policy by going every month to: http://www.sinclairpremium.com/makepayment.asp and making your monthly payment or you can pay the total amount that you owe. This way, you won't jeopardize your coverage.

Please notify us in writing, and we will cancel your policy and confirm the cancellation via return e-mail.

We will give you 14 days to review your insurance plan. If for any reason you are not completely satisfied with your insurance coverage, simply notify us by email or fax, or inform us of your decision by filling out the online Contact Form within 14 days of receiving your Policy Declaration, and we will cancel the Policy with no penalty to you.

A password can be changed at any time. Simply go to our website and click on Login. Enter the username and password. You will enter "Account Management." At the side of the screen, you will see "Manage Your Account." Click on the link Modify Your Password and, from there you will be able to make the change.

If the quote that you received does not fit your specific needs, please revist our website and apply for as many quotes as you wish, until you find the right combination of liability limit and deductible, and you are satisfied that the policy will suit your needs and your budget.

When a change occurs in a policy concerning the Insured's name, please contact us via e-mail with all the detailed information about the intended Insured. We will then make the changes on our end. You will be notified and a Endorsement will be issued.

When a policy needs to be adjusted and it concerns the Insurance Limit, please contact us via e-mail with the details. We will then adjust the amounts. When such a change occurs the Premium is affected as well as the Deductible. We will contact you with the changes and, if you agree, we will issue an Endorsement to the Policy.

If you are alredy insured with us, you can go to the Personal Management Area by logging with your user name and personal password. In the Personal Management Area, you will be able to update your personal details online. If these details effect your insurance coverage, you will have to write us your request for an update, and we will do it for you. If you are a potential customer, and do not have a policy placed with us yet, you can write us the updated details and we will update your file with us. Write us online at www.sinclairpremium.com/contactus.asp or fax us to (from USA) 305-675 0894 or (from Australia) 02-9475 0969.

First please notify us of your claim (or even of an event that may result with a claim), and we will decide whether to handle it directly or to appoint a nearby professional to handle your claim. That can be a loss adjuster or a legal advisor. We will inform you who we appointed, and connect you with the appointed claim representative to provide you with a professional service. FOR UK CUSTOMERS ONLY: In the UK and Northern Ireland we authorised a Claim Management company that handles all claims of our customers in those areas: CERTO (CERTO is the trading name of Claims Management Solutions Limited, registered in England 04317891. Further information can be found at www.certoclaims.co.uk).

Yes. Please let us know, and we will issue an endorsement to your policy extending the jurisdiction of the policy to the additional country. Please note, however, that we can extend the jurisdiction of the policy to the additional country ONLY if you can legally practice in your field in that country.

You can submit a claim in any of the following ways: - Online: Click on the Claims button in the top menu of this page and fill out the claim report form online; - Email: Send us an email with all known details to claims@sinclairpremium.com; The process of submitting a claim is very short and simple, and we will respond with an email with your claim number and preliminary instructions. In the UK and Northern Ireland we authorised a Claim Management company that handles all claims of our customers in those areas: UK Customers Only: Customers residing in the UK and Northern Ireland may report and/or submit a claim directly to CERTO (CERTO is the trading name of Claims Management Solutions Limited, registered in England 04317891. Further information can be found at www.certoclaims.co.uk).

Please do not hesitate to contact us by email or by leaving a voice mail message, with any specific questions. We will get back to you with an answer.

Before you dial our telephone messaging number (61-2-9475-5002) or our fax number (61-2-9475-0969), you have to dial the access number to your international calls provider (for example: 011 from the USA or 00 from Israel, etc). If you still have a problem leaving us a voice message or sending us a fax, write us at the Contact Us page online (at www.sinclairpremium.com/contactus.asp), and we will call you back.

Yes we do. However, we recommend reading an article pertaining to this subject, which can be found at: http://www.babtac.com/newsfiles/Teeth%20whitening%20news.doc

We deal with this as follows: [1] The policy is made to address the needs of practitioners in multiple jurisdictions and territories. Regulations are different in these areas, and in some of them these materials are legal for use. [2] In many locations, the allowance to use certain products is different if administered by an MD (like a dentist), a nurse or a beauty expert (such as a cosmetician). [3] We also understand that the market practice in some places is different than the official regulations, but those regulations are either not yet in place and are actually only a recommendation or a position of the regulators, or regulators tend to "Look the other way" although many practitioners are using these products in the open. We therefore cover the use of practices that are common and not yet required to be ceased, as the legal status is that these materials are in fact legal, as long as the regulator is not enforcing the regulations it adopted.

Can you provide clarification regarding Beyond White Products? Beyond White consumable products bear CE medical mark Class IIA under EEC medical directive via RULE 12 of Medical Device Directive, which has been further confirmed by EU notified bodies: first by Emergo Group in the Netherlands and later by MedCert Gmbh and Medical Device Safety Service Gmbh (both located in Germany). This is a German interpretation of the MDD and may differ from the views of individual countries' ministries of health. All Beyond White products have a CE mark followed by the 4 digit code. Beyond White products are therapeutic medical devices, not cosmetics and are registered with many of the EU’s ministries of health. Each EU country has a different regulatory system, as for the EEC Medical Devices Directive. However, if a device is successfully registered by an EU-notified body, in any of the member countries, it is as if it were registered in every member country. There are still many contradictions and each country may have its own interpretation of such legal issues. While the situation in Germany, for example, has been clarified by a final court ruling, in other countries the products may have no regulatory regime and if they are sold as cosmetics they are not allowed due to the low percentages permitted in the cosmetic directive. In the UK, a final court ruling has been handed down stating that the products are not medical devices, but the decision is based on home-use products. The cosmetics directive defines the percentage as 0.1%, being the maximum limit for cosmetics, but the cosmetics directive was written years ago, and there are those who interpret the limit as being for oral hygiene products such as toothpaste and mouthwash and not professional products. The Medical Devices Directive does not have any limitation regarding the concentration of hydrogen peroxide in tooth whiteners. Some Beyond White products are classified as "therapeutical" medical devices, either Class I or Class IIA, depending on the product.

We would like to clarify this issue: [1] The UK and EU health authorities define the maximum concentration allowed for various treatment emulsions. [2] Although one can expect the concentration levels to be different when referring to process of use and treatment (self-use, administration by professionals or by medical practitioners) or sale method (over the counter available to general public, only to clinics, etc) there are no clear specifics that can clarify this issue. [3] It is the market practice and very common, to find both locally manufactured emulsions and imported emulsions that go far beyond the levels of concentration stated in the UK and EU regulations, which can be understood by the general public AND by many practitioners that if the customs authorities allowed the import or the health authorities do not act against those who manufacture or import these emulsions that they are legal in fact for use. [4] We are faced with many inquiries asking if the use of these emulsions is legal, and if we do cover the treatment provided, using these emulsions. We would like to clarify this issue: [1] There are many countries where these emulsions are totally legal, and the local regulations in those countries allow the use of these products – with certain restrictions. Moreover, the companies mentioned herein – Beyond WhiteSpa and WhiteScience are recognized manufacturers, complying with the regulations valid in their countries – including USA and more. [2] Our policies clearly state that any conduct of illegal activity (treatment or practice, or use of illegal products) is totally prohibited, and will not be covered under our policies. [3] The main question is: are these products illegal? Is treating people with these products, although the regulations might state differently, illegal? [4] We do not address this question lightly. However, this document should not be taken as legal advice or a recommendation, it is purely our position in this matter. Therefore, WE STRONGLY SUGGEST YOU WILL TAKE LEGAL ADVICE BEFORE MAKING A DECISION AS TO THE USE OF QUESTIONABLE PRODUCTS. [5] As an insurer, we cover treatments using Beyond WhiteSpa products and WhiteScience products, and our policies provide professional indemnity cover to their holders.

Yes. Please let us know before you move, and we will issue an endorsement to your policy extending the jurisdiction of the policy to the new country. Please note, however, that we can extend the jurisdiction of the policy to the new country ONLY if you can legally practice in your field in your new country.

Any treatment performed on minors requires the written consent of the minor's parents or legal guardian.

Our policies offer Professional Liability and not Product Liability, however, we do offer defence of claims - limited to 5% of the cover - for alleged use of faulty products. Therefore, we recommend that the use only of materials that have been obtained from reputable, traceable companies, the ingredients of which are easily identified on the product label, so that any claim of use of faulty material will be placeable on the manufacturer's liability.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

1. A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have.

Malpractice is one of the risks covered by our Professional Liability Insurance.If you need malpractice insurance our coverage is what you need.

As a Cosmetician/Hairdresser you are exposed to professional and personal risks,so you need to be covered by Personal Liability.

1. A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have.

As a Dental Assistant you are exposed to professional and personal risks, so you need to be covered by liability insurance.

Malpractice is one of the risks covered by our Professional Liability Insurance.If you need malpractice insurance, our coverage is what you need.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Yes we do. However, we recommend reading an article pertaining to this subject, which can be found at: http://www.babtac.com/newsfiles/Teeth%20whitening%20news.doc

We deal with this as follows: [1] The policy is made to address the needs of practitioners in multiple jurisdictions and territories. Regulations are different in these areas, and in some of them these materials are legal for use. [2] In many locations, the allowance to use certain products is different if administered by an MD (like a dentist), a nurse or a beauty expert (such as a cosmetician). [3] We also understand that the market practice in some places is different than the official regulations, but those regulations are either not yet in place and are actually only a recommendation or a position of the regulators, or regulators tend to "Look the other way" although many practitioners are using these products in the open. We therefore cover the use of practices that are common and not yet required to be ceased, as the legal status is that these materials are in fact legal, as long as the regulator is not enforcing the regulations it adopted.

Can you provide clarification regarding Beyond White Products? Beyond White consumable products bear CE medical mark Class IIA under EEC medical directive via RULE 12 of Medical Device Directive, which has been further confirmed by EU notified bodies: first by Emergo Group in the Netherlands and later by MedCert Gmbh and Medical Device Safety Service Gmbh (both located in Germany). This is a German interpretation of the MDD and may differ from the views of individual countries' ministries of health. All Beyond White products have a CE mark followed by the 4 digit code. Beyond White products are therapeutic medical devices, not cosmetics and are registered with many of the EU’s ministries of health. Each EU country has a different regulatory system, as for the EEC Medical Devices Directive. However, if a device is successfully registered by an EU-notified body, in any of the member countries, it is as if it were registered in every member country. There are still many contradictions and each country may have its own interpretation of such legal issues. While the situation in Germany, for example, has been clarified by a final court ruling, in other countries the products may have no regulatory regime and if they are sold as cosmetics they are not allowed due to the low percentages permitted in the cosmetic directive. In the UK, a final court ruling has been handed down stating that the products are not medical devices, but the decision is based on home-use products. The cosmetics directive defines the percentage as 0.1%, being the maximum limit for cosmetics, but the cosmetics directive was written years ago, and there are those who interpret the limit as being for oral hygiene products such as toothpaste and mouthwash and not professional products. The Medical Devices Directive does not have any limitation regarding the concentration of hydrogen peroxide in tooth whiteners. Some Beyond White products are classified as "therapeutical" medical devices, either Class I or Class IIA, depending on the product.

IACE stands for: International Association of Care Experts. IACE is the only international organization gathers professionals and practitioners in the fields of beauty, wellness, education and health. It is a completely independent association formed to serve the needs of care experts throughout the world. The IACE enlists members from all over the world and offers several different membership plans – (details of which can be reviewed on its website at www.iace.eu).

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

If the equipment that you want to insure does not appear on our application form, please send us an e-mail query about it. Be sure to include as complete a description as possible. If you know of a website where we can learn more about the equipment, be sure to include it in your e-mail. As soon as we have thoroughly looked into your query, we will get back to you with our decision.

Our Insurance Policies are on a yearly basis. However we do provide Special Event coverage. Please contact us for more details on Special Event Policy.

At this time, we do not charge you for adding an Additional Insured to a policy. However, we intend to change that in the future, and charge for the costs and the additional risk we carry due to the waive of subrogation rights against Additional Insured.

First, make sure you compare the quotes properly: are the limits the same? is the deductible the same? We calculate our premium rates according to the loss history we had with our customers. Since we are more selective, if you are eligible for our insurance policy, you may save on your premium payments. Your safety comes first, but second comes the need to be fair, and charge a reasonable amount. We charge you what seems fair to us, and many times that will be a competitive rate.

1. A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have.

Professional Liability covers against errors and omissions made while you perform your duties. You may find a different policy called E&O which is more suitable for directors and officers - but in this case, the policies would be similar. When you purchase our Inspector's Liability Insurance - you are covered against E&O.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

LIFE FOR ALL is accidental death cover policy with additional death benefits. With this policy, Sinclair enables all those who cannot cover their lives with standard Life Insurance to easily obtain affordable coverage for instances of death. Sadly, people with special medical needs have great difficulty obtaining life insurance. LIFE FOR ALL insurance offers security and provides peace of mind to those who need it the most; this policy is especially designed for people with medical needs looking to protect their family's future. If you have been rejected for life insurance because of poor health, LIFE FOR ALL is a great solution.

Sinclair LIFE FOR ALL Insurance is an affordable solution for those who have been rejected for insurance because they are sick or for other medical reasons. Since people with heart diseases, cancer or any other illnesses are usually unable to financially secure the future of their loved ones, we have created the Sinclair LIFE FOR ALL insurance policy to provide a unique solution for them.

If you are healthy, and can go through the process of obtaining standard life insurance, there are many low cost solutions from your nearby insurers, and you should not take a plan that is more expensive. However, LIFE FOR ALL is one of the most convenient, speediest ways to obtain coverage for life, and many do take this solution to protect financial interests (like loans, future payments and unexpected expenses).

While most "guaranteed issue" life policies offer low coverage of up to $25,000, with the LIFE FOR ALL policy, a customer can get coverage of up to 100,000 (GBP£, US$, AUS$, or Euro€). When you apply for this type of modified life policy, most insurance companies will still ask for your medical history, and they will reject applicants considered to be "high risk". At Sinclair Insurance Ltd., we have not turned down anybody since we commenced marketing this policy. LIFE FOR ALL is not a cash value policy. It is a straight forward risk policy and the sum insured is guaranteed to be paid to beneficiaries , if the client passes away 36 months after the policy is issued. In addition, unlike other types of coverage that raise rates each year, with Sincalir LIFE FOR ALL, you will pay the same premiums during the entire insurance period. This makes the Sinclair LIFE FOR ALL plan especially attractive in the long run.

The application process is quick and painless. You don't have to deal with sales agents. The entire process is done on-line.

LIFE FOR ALL is a concept that reduces to the minimum the effects of medical condition on the rate. It is a smart solution that works on long-term statistics, and takes into account the dramatic progress in medical treatments and achievements. This type of cover is becoming very common in countries like the Netherlands, Brazil and South Africa. You are invited to learn more about this type of cover by reviewing the article on our website at http://www.sinclairpremium.com/article-life-insurance.asp.

No. If the insured person dies from an accident during the first 36 months, the company will pay the entire sum insured to the beneficiaries. Furthermore, if the insured person dies during the first 36 month because of illness, the company will refund 95% of all paid premiums!

You simply go to our website and request a quote on-line at http://www.sinclairpremium.com/life-instantquote.asp

Sinclair Insurance Ltd., offers a truly personal service. Our customer service representatives are availble to guide you through the process and answer any questions you might have. Please do not hesitate to contact us by e-mail at: info@ sinclairpremium.com. Our 24 hour international telephone messaging number is +61-2-9475-5002. You can also write to us at the Contact Us page online (at www.sinclairpremium.com/contactus.asp). We will gladly call you back and assist you through the process.

Sinclair Insurance Company Limited is a General Insurer, specializing in personal and commercial general insurance, as well as a large variety of health and medical insurance programs. Our professional team, including people with over 30 years of experience in the international insurance market, provides round-the-clock service to our continually growing portfolio of customers. Sinclair is registered and regulated in Ukraine, under the Insurance Act, by the Ukraine Insurance Department. Since its early days of operation, Sinclair offers innovative, advanced and personally adjusted policies to customers from all over world. Our entire staff is at your service and ready to give you all the help and support that you may require in deciding which of our specialized insurance policies best suits your needs. We provide complete, comprehensive service during the life of your policy should you ever need to modify it, submit a claim, or if you require prompt, efficient technical and professional assistance. If for any reason you are not completely satisfied with your insurance coverage, simply notify us by email, fax or via the online Contact Form, within 14 days of receiving your Policy Declaration. We will cancel your policy and refund any paid premium. No questions asked.

No, your policy does not provide coverage for loss of wages.

No,at Sinclair Insurance we do not provide insurance coverage for Medical Malpractice.

Malpractice is one of the risks covered by our Professional Liability Insurance.If you need malpractice insurance, our coverage is what you need.

Any treatment performed on minors requires the written consent of the minor's parents or legal guardian.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

1. A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have.

Our Nurses' Professional Liability Polices are Individual Policies and only cover one particular profession. This means that you are covered in the profession for which you purchased the insurance. Coverage will not and cannot be provided for the second profession on the same policy.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Malpractice is one of the risks covered by our Professional Liability Insurance.If you need malpractice insurance our coverage is what you need.

You can pay your premium by a number of methods: - You can send us your check (for the full premium, or - if the type of policy you purchased allows it - for the monthly amount). - You can transfer (wire) your premium to our bank account.

YES, we accept personal checks.

Upon receiving payment, we automatically issue a receipt via e-mail, which serves as proof of payment.

We accept payment of premiums in a few monthly installments:

• If you pay by bank transfer, the minimum payment allowed is US$500.00 per installment
• If you decide to pay with PayPal or Credit Card, you can "stretch" your payments over a greater period of time (6 to 12 monthly payments, depends on the type of insurance you apply for).

Note: Choosing monthly installments increases your cost, since we must charge collection fees and interest for this service.

Yes! For example – if you chose a 6 month installment payment plan and after 3 payments you decide to pay the outstanding balance, we will calculate and credit the pre-dated payments.

Yes. In addition to US Dollars, you can also pay with Australian Dollars, Euro and British Pounds - and you can receive your insurance coverage in either of these currencies.

No, regretfully, we do not accept Credit Cards. You can pay your premium by Bank Transfer (Wiring) or by sending a cheque.

If you have more than one policy, the password is the same. This is because you used the same email address to take the quotes. If you had used two different email addresses, then you would have received separate passwords.

Changing your Password is a simple procedure. Revisit the web site and click on Login.Enter your user name and password, go to Manage Your Account and click on the link to Modify Your Password.

To view you and monitor your payment history, return to the website and click on Login. Enter your username and password. You will see Account Management, where you will find your Payment History.

To change information concerning personal data is very simple.Go to the website and directly to login, enter username and password.You will view Account Manager,go to Manage Your Account click on the link for Amend Your Personal Data.You will be able to modify the information.

To send us an email with any questions that you may have, go directly to the website and login. Enter your username and password. You will see Account Manager. Go to Manage Your Account and click on to the Contact Us link and send us an email.

It is possible to Issue a Certificate Of Liability yourself,revisit the website go directly to login, enter username and password.You will view Account Management,go dirctly to Manage Your Account.Click on the link Issue A Certificate Of Liabilty and fill out all the information.

After a premium payment is received,a personal password is issued which entitles you to access the "login". Once you have logged in you will view Account Management, this allows you to view and makes changes in this categories such as. 1.Modify Your Password. 2.Amend Your Personal Data. 3.Issue A Certificate Of Liability. 4.Report A Claim 5.Contact Us. To modify any of these categories please go to Manage Your Account and press on the link.

If you have forgotten or misplaced your personal password, please contact us and we will e-mail it to you.

Your Certificate of Insurance cannot be changed during the Period of Insurance. All alterations or amendements of details and terms are made by endorsements. Your Certificate of Insurance together with the issued Endorsements are your updated insurance document.

The Policy Wordings are available anytime online. Just go to our website, and view the Policy Wording at your convenience. Your Certificate of Insurance (Schedule or Declaration Pages) are issued instantly once you confirm your quote and fill out the application form (by clicking on the "Purchase" button). It is possible to view, download and print it before you have paid your premium. We also send it to your e-mail address. As soon as you pay your premium, you can also view the certificate at your Personal Account Management Area, online.

Upon receipt of Premium Payment, your insurance policy goes into effect immediately.

Yes, click on Insurance Products, choose the category you like, scroll to the bottom of the page, an click on "Policy Wording." You may then view and/or download the complete policy wording.

No, we do not provide coverage for short term insurance. The two exceptions are Travel Medical Insurance and Special Events Policy.

To purchase a policy, click on the link provided in the quote you received, scroll to the application form. It is mandatory to agree to the terms and conditions before proceeding. After agreeing press "submit."

You can contact I.A.C.E. (International Association of Care Experts) and become a member. As an IACE Member, your membership includes a Professional Liability Policy, so you dont have to renew or purchase one. Just write IACE at info@siminsure.com or fax: +61 (2) 9475 0969.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Any treatment performed on minors requires the written consent of the minor's parents or legal guardian.

Yes. Please let us know before you move, and we will issue an endorsement to your policy extending the jurisdiction of the policy to the new country. Please note, however, that we can extend the jurisdiction of the policy to the new country ONLY if you can legally practice in your field in your new country.

As a Personal Trainer you are exposed to professional and personal risks, so you need to be covered by Liability Insurance.

Yes, malpractice is one of the risks covered by our Liability Insurance,if you need malpractice insurance, our coverage is what you need.

1. Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have. . A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have. . A Professional Liability Policy covers both Professional and Public Liability, both of which are CIVIL LIABILITIES. 2. Professional and General/Public Liability in general exclude liability resulting from a criminal act by the insured; this is a basic market rule. 3. However, the policy is extended to cover (within limits) Sexual Abuse and Discrimination - which are both Civil and Criminal offences. In this instance the coverage is for both, regarding Legal Defence, but the Claimants' rights to compensation result only from a Civil procedure. All insurance policies exclude this coverage if the acts in question cn be proven to be resulting from criminal intent on the part of the insured. We hope that this clarifies the situation for you. Please do not hesitate to contact us with any further questions you might have.

Except in special circumstances, our quotes are available on-line. After you provide us with the required information at our website, your quote appears on-screen and you can print it out. In addition, a copy of the quote is sent to you via e-mail. It usually takes up to 5 minutes to get your personal quote online.

This is probably because we do not accept customers who are residents of your state.

A decision on Limits and Deductibles is a personal one. Having a budget is one way of helping to make a decision.The best and recommended way is to take as many quotes as needed at our website, this allows you to play with the Limits and Deductibles until you are satsified, that the policy you are purchasing is best suited to your budget.

At Sinclair we are continously updating the Insurance Products and the List of Disciples. If yours does not appear on the list, please contact us with a short job description, and we will take it into consideration, and get back to you with an answer. "Contact Us" can be found on the home page of our web site.

No, quotes are only obtained when you visit the wed site and apply directly. Acopy of that quote will be emailed to your email address.

Just fill in the online application form, do not mark the payment method - and make sure you provide your e-mail address to enable us to send you the quote.

You can contact I.A.C.E. (International Association of Care Experts) and become a member. As an IACE Member, your membership includes a Professional Liability Policy, so you dont have to renew or purchase one. Just write IACE at info@siminsure.com or fax: +61 (2) 9475 0969.

At Sinclair a policy is never automatically renewed. An e-mail reminder is sent to you before the expiration of the policy. If you would like to continue your coverage with us after your present policy has expired, please go to our website, take a new quote, and purchase the policy.

When your policy is up for renewal, we notify you in writing.

Malpractice is one of the risks covered by our Professional Liability insurance. If you need malpractice insurance, our coverage is what you need.

As a tutor you are exposed to professional and personal risks, so you need to be covered by liability insurance.

Professional Liability covers against errors and omissions made while you conduct your educational duties. You may find a different policy called E&O which is more suitable for directors and officers - but in this case, the policies would be similar. When you purchase our Teacher's & Educator's Liability Insurance - you are covered against E&O.

Professional Indemnity policies are Personal Liability Policies, and cover you personally. The policy will cover any name you may use, if this name is only a name you are trading under, but if your clinic is a separate legal entity (partnership, corporation), you will have to cover it separately under Comprehensive Commercial Insurance Policy, or you may purchase a Comprehensive Commercial Insurance Policy that will cover both you and the clinic. You may apply for a quote for Comprehensive Commercial Insurance Policy online at www.sinclairpremium.com/commercial-form.asp.

Yes. Please let us know before you move, and we will issue an endorsement to your policy extending the jurisdiction of the policy to the new country. Please note, however, that we can extend the jurisdiction of the policy to the new country ONLY if you can legally practice in your field in your new country.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Yes we do. However, we recommend reading an article pertaining to this subject, which can be found at: http://www.babtac.com/newsfiles/Teeth%20whitening%20news.doc

We deal with this as follows: [1] The policy is made to address the needs of practitioners in multiple jurisdictions and territories. Regulations are different in these areas, and in some of them these materials are legal for use. [2] In many locations, the allowance to use certain products is different if administered by an MD (like a dentist), a nurse or a beauty expert (such as a cosmetician). [3] We also understand that the market practice in some places is different than the official regulations, but those regulations are either not yet in place and are actually only a recommendation or a position of the regulators, or regulators tend to "Look the other way" although many practitioners are using these products in the open. We therefore cover the use of practices that are common and not yet required to be ceased, as the legal status is that these materials are in fact legal, as long as the regulator is not enforcing the regulations it adopted.

We would like to clarify this issue: [1] There are many countries where these emulsions are totally legal, and the local regulations in those countries allow the use of these products – with certain restrictions. Moreover, the companies mentioned herein – Beyond WhiteSpa and WhiteScience are recognized manufacturers, complying with the regulations valid in their countries – including USA and more. [2] Our policies clearly state that any conduct of illegal activity (treatment or practice, or use of illegal products) is totally prohibited, and will not be covered under our policies. [3] The main question is: are these products illegal? Is treating people with these products, although the regulations might state differently, illegal? [4] We do not address this question lightly. However, this document should not be taken as legal advice or a recommendation, it is purely our position in this matter. Therefore, WE STRONGLY SUGGEST YOU WILL TAKE LEGAL ADVICE BEFORE MAKING A DECISION AS TO THE USE OF QUESTIONABLE PRODUCTS. [5] As an insurer, we cover treatments using Beyond WhiteSpa products and WhiteScience products, and our policies provide professional indemnity cover to their holders.

Beyond White consumable products bear CE medical mark Class IIA under EEC medical directive via RULE 12 of Medical Device Directive, which has been further confirmed by EU notified bodies: first by Emergo Group in the Netherlands and later by MedCert Gmbh and Medical Device Safety Service Gmbh (both located in Germany). This is a German interpretation of the MDD and may differ from the views of individual countries' ministries of health. All Beyond White products have a CE mark followed by the 4 digit code. Beyond White products are therapeutic medical devices, not cosmetics and are registered with many of the EU’s ministries of health. Each EU country has a different regulatory system, as for the EEC Medical Devices Directive. However, if a device is successfully registered by an EU-notified body, in any of the member countries, it is as if it were registered in every member country. There are still many contradictions and each country may have its own interpretation of such legal issues. While the situation in Germany, for example, has been clarified by a final court ruling, in other countries the products may have no regulatory regime and if they are sold as cosmetics they are not allowed due to the low percentages permitted in the cosmetic directive. In the UK, a final court ruling has been handed down stating that the products are not medical devices, but the decision is based on home-use products. The cosmetics directive defines the percentage as 0.1%, being the maximum limit for cosmetics, but the cosmetics directive was written years ago, and there are those who interpret the limit as being for oral hygiene products such as toothpaste and mouthwash and not professional products. The Medical Devices Directive does not have any limitation regarding the concentration of hydrogen peroxide in tooth whiteners. Some Beyond White products are classified as "therapeutical" medical devices, either Class I or Class IIA, depending on the product.

Any treatment performed on minors requires the written consent of the minor's parents or legal guardian.

There is a wide variety of therapies covered by this policy, a list of which can be seen in our online "Request a Quote" form (http://www.sinclairpremium.com/therapist-insurance.asp). If you did not find the specific therapy you practice in our list - please write us at the Contact Us page, and we will consider adding it to our list.

In order for us to answer this question, please fill in the "Request a Quote" form online (http://www.sinclairpremium.com/therapist-insurance.asp), and specify the therapy you practice. We will review your request, and inform you whether or not we can offer coverage.

We do not offer our Therapists' Liability Insurance to US customers - but to all worldwide internet surfers. We welcome customers and applicants from all countries, including US, Canada, the United Kingdom, Australia, and many other countries. However, if you fail to find your country or state/province in our quoting or application system, it is probably because we do not accept customers who are residents of that country or state/province (This is the case for most US States). We allow website visitors from countries and states we do not accept business from, to use the website for general information and comparison needs.

This policy is a Personal Liability Policy. The coverage follows you to any location you practice your treatments or disciplines, within your country of residence. Being Self Employed or Employee has no effect on your coverage.

There are several advantages for holding the Thompson Pay Card, especially for customers of Sinclair Insurance Company. It is totally free: As a Sinclair customer, you enjoy a Thompson card free of all charges. No annual fee, no issuing fee, no special charges – just pay the deals you made. If you purchase Sinclair's policies in another currency – no additional charge will be put on your card – just the purchase amount converted to your currency. Special bonus: All Sinclair customers who apply for the Thompson card in 2009 will receive a special bonus of €15.00, to be deducted from their payments for Sinclair Insurance Policies. Pay your monthly balance easily and locally: You will receive your Thompson Card Monthly Balance to your postal address – and to your email if you indicate it – and you can pay it conveniently in your homeland: bank transfer, cheque, cash. No overseas payments, easy and local. Thompson – now it is your second or third credit card: At the moment, Thompson cards are accepted only by Sinclair's Group Members (Sinclair Insurance Company Limited, IACE – International Association of Care Experts, ALC City Policy Insurance Company, National Insurance Company Limited, National Pension Fund Limited, N.M. SIM Management Limited). Thompson cards are now adding many more merchants from different countries (Australia, UK, Ukraine, Croatia, Israel, Palestine, Jordan - and more), making the Thompson card more useful for its cardholders. Thompson card will be a valuable financial tool, and one should take advantage of its' easy application and issuing process now. It is immediate for Sinclair's customers: Once you send us your filled-out and signed application form – you can immediately use the Thompson card to pay for your purchases from Sinclair! Why wait? It is free and beneficial. If you don’t have an application form – email us now to info@sinclairpremium.com and an application form will be emailed to you immediately.

No violent action will be covered under your Public Liability Policy, whether it is an act of self-defense or for any other reason. Our Public Liability Policies specifically exclude: criminal and/or any and all violent actions committed by the insured, any parties connected to them, family-related persons and their employees against third parties.

Coverage of nonrefundable cancellation fees, due to unforeseen circumstances over which you have no control. The coverage is limited up to US$10,000.