How continuous cover can make your claims safer.
The rule
After 60 months of continuous cover, claims generally cannot be contested for non-disclosure except for proven fraud.
Why it matters
It reduces the risk of rejection years later over a forgotten detail.
Continuity is key
A break in coverage can reset the clock, so renew on time or port without a gap.
Still be honest
The moratorium is not a licence to hide facts at the start.
Key takeaway. Renew on time and keep your application honest.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.