It depends when the claim occurred. For example, if the claim occurred prior to the inception of the policy, yes you can make a claim. However, if a premium is due on a policy, you want to make sure you pay that premium on time so coverage stays in force. So the date of the loss would be the key indicator of which policy period or which policy would be in question. If you need any further advice, please let us know and we can help you with that.