An incident occurs while you are in SpecialistSelect membership. While you are still in SpecialistSelect membership a claim is made against you related to the incident.

You can request assistance from the MDU.

An incident occurs while you are in SpecialistSelect membership and is reported to the MDU while you remain in SpecialistSelect membership.
A claim is later made in relation to this incident but not until after you leave SpecialistSelect membership.

As you had notified the incident while in SpecialistSelect membership, you can continue to request assistance.

An incident occurs while you are in SpecialistSelect membership. A claim is notified against you, related to the incident, after you leave SpecialistSelect membership. You had not notified the incident while in SpecialistSelect, but you have applied for and been granted extended reporting rights.

You can request assistance from the MDU.

An incident occurs while you are in SpecialistSelect membership. A claim is notified against you, related to the incident, after you leave SpecialistSelect membership. You had not notified the incident while in SpecialistSelect, and you have not applied for and been granted extended reporting rights for you.

You are unable to request assistance from the MDU.

A new claim is notified against you while you have SpecialistSelect membership related to an incident which occurred while you were insured by a claims made insurer. Your SpecialistSelect membership has a retroactive date before the date of the incident.

You can request assistance from the MDU, unless you had notified the insurer of the incident during the period of your insurance.

A new claim is notified against you while you have SpecialistSelect membership related to an incident which occurred while you were an occurrence member of the MDU, or other similar organisation.

You can request assistance from your previous occurrence indemnifier.

Examples of how SpecialistSelect works