Average

(1) in marine insurance, a partial loss. (a) general average is a loss which arises in consequence of an extraordinary sacrifice made, or expenses incurred for the preservation of the ship and cargo. All underwriters involved in the ship and cargo will participate to indemnify the insured against the actual loss incurred; (b) particular average is partial loss of the subject matter insured, caused by a peril insured against, and which is not a general average loss; (2) a clause in non-marine insurance policies (mostly for fire business) under which, in the event of under-insurance, the claim paid out by the insurer is restricted to the same proportion of the loss as the sum insured under the policy bears to the total value of the insured item.

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Which company now looks after your policy? Who can you contact about your policy? What do all those words and phrases on my policy document actually mean?

Policy Detective is a UK company for UK customers. We help you to track-down the Administrators for policies which you or your loved ones may have in the bureau or the attic. You never know how much money there could be in that old policy. It's not easy to find this information, as companies through time are taken-over, merge with other companies and even change their names. We can help you find the company which now deals with your policy. Some companies even allow us to check the status of your policy.