Locum insurance – smoke and mirrors

Back on the theme of ‘continuity of cover’, what if you have decided you need continuity of cover and you find a cheap locum insurance policy which claims to offer it?  Are all policies the same? Well, as every good shopper knows, buyer beware.  If a policy says it offers continuity of cover, fight your way through the eye-catching headlines, the guff and bluster, and read the small print.  If the ‘continuity’ safeguard applies only if a set of complex and long-winded conditions are satisfied, make sure you understand what those conditions actually mean.  For example, if a policy says that continuity is subject to a ‘claims ratio of x%’ does that mean the policy is likely to pay out or is notlikely to pay out?