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A retro date (retroactive date) is the date from which we need to cover your activities from. This is typically where your previous Indemnity has been provided to you on a Claims Made basis as those types of policies do not offer retrospective cover in terms of the activities undertaken when that policy was in force. For example, if you have been insured on a Claims Made policy since 1st August 2018, then the Retroactive Date on your policy going forward needs to be 01/08/2018. This ensures that cover is provided for claims that arise from your activities undertaken after this date i.e. we are ensuring you have continuous cover. If you are switching to All Med Pro from a Claims Occurrence policy, such as the ones offered by the defence organisations, then you do not need to have a backdated retroactive date as their policy will continue to indemnify you for your historic activities.