Build an FAQ page

I work in marketing at an insurance broker. Help me build an FAQ page from the questions we get asked.

Context: Most questions are 'am I covered for' and 'why has my price gone up'. Honest answers depend on the policy wording and what the client told the insurer.

Before you start, ask me for anything missing from this list:
- Questions clients ask, in their words
- Our answers, even as rough notes
- The service the page supports

Then:
1. Group the questions by what the person is trying to decide.
2. Rewrite each question the way a client would type it.
3. Answer each in 40 to 80 words with the answer in the first sentence.
4. Mark any answer that depends on the person's circumstances.

Give me:
- Grouped questions and answers
- A list of answers that need a specialist to confirm

Rules:
- Use only the facts I give you. Where something is missing, write [detail needed]. Never invent a number, a name, a quote or a source.
- Give general information about insurance only. Never say that a particular person or business is covered, never suggest a claim will be paid, and never call a price the cheapest or the best.
- Write in plain English, in our voice if I have given you a sample.
- Do not tell me what the rules or regulations say. If something may be restricted, flag it and I will check.

Finish with a list headed "Check before this goes out". Include these, plus anything else our compliance officer or whoever approves financial promotions should see:
- Answers that read as a promise of cover
- Excesses, limits and exclusions quoted in answers
- The complaints route, stated as our procedure sets it out