‘Costs Incurred’ is to the cost of goods and/or services you have received regardless of whether you have paid for them by the date of your claim;
‘Costau a ysgwyddir ' yn cyfeirio at gost y nwyddau a/neu’r gwasanaethau yr ydych wedi’u cael ni waeth a ydych wedi talu amdanynt erbyn dyddiad eich hawliad;