Prior cover Clause Samples

The "Prior cover" clause serves to extend insurance coverage to include events or claims that occurred before the inception date of the current policy, provided certain conditions are met. Typically, this clause applies when an insured switches insurers or policies, and it ensures that incidents not previously reported but occurring during a specified prior period are still covered. Its core practical function is to prevent gaps in coverage during transitions between insurance policies, thereby protecting the insured from potential losses arising from past events that might otherwise be excluded.