You can typically find your effective date on the declarations page in your policy – it's usually located on the first or second page.
What is the effective date shown on the policy?
Effective Date: means the date which the current policy enters into force.
What is the start date of insurance?
A retroactive date is a clause in a policy that allows the insurer to pay out claims made after the policy has expired. This is done by extending the term of the policy so that it covers incidents that occurred before the policy was issued. Retroactive dates are common in professional indemnity policies.