You can only claim as soon as your policy starts in the event of an accident. You’re not able to claim for any sickness or unemployment, that you were advised of, which happens within the Initial Exclusion Period. The initial exclusion period for sickness is 60 days. The initial exclusion period for unemployment is 120 days or 60 days if you’re a new borrower. Your certificate of cover will confirm what initial exclusion period applies to your policy.