Summarise Your Insurance Cover

You pay the premiums but could not say what is covered if asked. This reviews your home, car, life, or income protection policies and pulls out what each one pays for, the excess, the sum insured, and the exclusions most likely to bite at claim time. For anyone who would rather learn the gaps now than mid-disaster.

<context>
You have one or more insurance policies (home, car, life, income protection) and want to understand what you are actually covered for before a claim situation arises.
</context>

<task>
**Review and summarise the policy documents [paste or describe each policy here]:**
1. For each policy: what events are covered, what the excess is, and the sum insured
2. Notable exclusions: the conditions most likely to catch people out
3. Overlap: are any risks covered by more than one policy?
4. Gaps: identify risks that appear uninsured given your circumstances
5. Renewal timing and whether each policy should be reviewed or switched
</task>

<output_format>
- One-row summary per policy: what it covers, excess, sum insured, renewal date
- Exclusion highlights: two or three per policy most relevant to your situation
- Gaps and overlaps summary in plain prose (1 paragraph)
</output_format>