With Zurich’s Reinstatement Clause, if you are unable to pay your premiums, you can reinstate your policy within three months of the date your first unpaid premium was due. This means that you can ensure that you remain on cover, and you will not be asked any medical questions, provided that you did not instruct us to cancel your cover. You will need to pay all the missed premiums within the three month period, to reinstate your policy.