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"Generally operators offer very limited cover for damage to your car, which you will need to spot and report to them on collection, and possessions left in your car are generally excluded".
The sponsor/investigator has obtained liability and clinical trial insurance which is in accordance with article 7 of the Dutch Medical Research Involving Human Subjects Act and the Measure regarding Compulsory Insurance for Clinical Research in Humans 2003, which provides cover for damage to research participants through injury or death caused by the study.
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Those who take out trip insurance are likely to be covered for damage to rental cars abroad, according to Vikki Corliss, a spokeswoman for insuremytrip.com, a travel insurance aggregator.
Your auto insurance policy probably has clauses specifying whether you are covered for damage from missiles, falling objects, riots, civil war, earthquakes, hail, radioactive contamination, discharge of a nuclear weapon.
If you have a renters insurance policy, you would be covered for damage done to your individual apartment unit.
Check your insurance: You're probably covered for damage to a rental under your policy for your personal vehicle.
Patients will also receive written information on the trial insurance that covers for damage through injury or death caused by the study.
Those taking a caravanning break should ensure they get proper caravan cover as well as car insurance and travel cover, advises Alison Patrick, the head of travel at AXA. "Travel policies will not cover you for damage or theft of the caravan, but will cover you for possessions in the vehicle," she says.
However, fully comprehensive motor insurance will cover you for damage to your car in the event of an earthquake.
According to a survey from Ernst & Young, one-third of chief technology officers incorrectly thought that their companies were covered for damages from attacks on computers by their regular property and casualty policies.
Cover for accidental damage cover (including DIY disasters) and home emergencies usually have to be added as optional extras.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com