Smart insurance tips

Update your cover (when needed): If you’ve recently purchased something valuable, check whether it needs to be added to your policy. Not every new item requires an update; it depends on its value and your policy’s limits. For example, high-value items like jewellery or tech gear may need to be specified separately. If the item exceeds your policy’s standard limits, it won’t be fully covered unless listed.

Understand your exclusions: Insurance policies protect against specific risks, but they also come with exclusions. (Insurance exclusions are specific situations, items, or types of damage that your policy does not cover).  Common ones include wear and tear, corrosion, fines, or damage caused during renovations. Knowing what’s not covered is just as important as knowing what is and it’s why we prefer to meet with you regularly to review your cover.

Report incidents promptly: If a break-in or theft occurs, notify the police immediately. Your insurer will require a police report to process your claim and delays can complicate things.

Let’s make sure your insurance works when it matters most
Insurance isn’t something you want to discover after the fact isn’t quite right. That’s why we take the time to review your cover with you, so you understand what’s included, what’s excluded, and what might need updating. If you’ve made a big purchase, had a life change, or just want peace of mind, we’re here to help. Get in touch to book a review or ask us anything, no question is too small.