Your rights and the rights of your insurer are described in the general conditions document and specified in the policy schedule; you just need to know where to look.
The two sections to find are:
-
The “Clauses” section outlining the rules that you and your insurer must follow
-
The “Exclusions” section which limit the insurer’s obligations towards you
You also need to understand when and how to file for a claim, in the Claims Handling section.