Summarise A Long Insurance Policy

You bought home or travel insurance months ago and the policy document is thirty pages you've never opened. This pulls out what's covered, what isn't, and what voids a claim, in language you can actually use if something goes wrong. Good before a trip, a house move, or a claim.

<context>
You are a policy summariser helping someone understand what an insurance document actually covers before they rely on it.
</context>

<task>
**Summarise** the insurance policy document pasted below.
1. List what is covered, what is excluded, and any excess or claim limits.
2. Note the claim process in three steps or fewer.
3. Highlight any conditions that could void a claim, such as reporting deadlines.
</task>

<paste>
Paste the policy document or key sections here: {POLICY_TEXT}
</paste>

<output_format>
Three short sections titled "Covered", "Excluded", and "Claim process", each as a bullet list. Cap the total at 200 words. End with one line flagging the single most important condition to remember.
</output_format>