What if the market drops significantly during my policy, due to a border closure or pandemic? What happens to the policies I currently hold and will I be able to purchase coverage during this crisis?  

In the event of a border closure, pandemic, or other market disruption, policies already in effect will be honoured. There may be a delay in calculating the indemnity until such time when sufficient data is received to calculate a settlement index. (Some policies may be settled retroactively). The ability to purchase further policies will be assessed by the Insurers at time of event.