Insurance can be a bit of a puzzle, with loads of details to wrap your head around. In this handy guide, we’ll show you to confidently avoid common insurance mistakes – with our help if you need us.
Full disclosure is key
When it comes to figuring out what your policy will cover, and your insurance costs, insurers need to know all about you. And to do that, they use forms that cover your medical history, lifestyle habits, and more.
With so much to think about, it’s not uncommon for people to forget to mention important details – or overlook the importance of disclosure. But non-disclosure – no matter if intentional or not – is a serious breach of your obligations, and could even lead to a future claim being denied.
To make sure you don’t run into any issues, we can help you be thorough when filling out those forms. As insurance advisers, a big part of our job is to ask the right questions and clear up any doubts you might have, to avoid any potential issues at claim time.
Be transparent when filing a claim
When filing a claim, honesty is always the way to go. It’s always important to stick to the facts, without misrepresenting any details. Once again, it doesn’t mean if any misrepresentation is intentional or not: it can lead to a declined claim or possibly legal action.
Need assistance with completing and submitting your insurance claim? This is another crucial area where quality advice can make a difference. We liaise with insurers and work with our clients to ensure all relevant information is provided for a timely claim assessment – and payment if approved.
Read the fine print and ask questions
Do you know what your insurance policy covers and what it doesn’t? We get it – reading the fine print is not the most exciting task. But it’s important to know what you’re signing up for, and if you have any questions, we’re here to help. We’ll break down complex terms and explain what your policy includes and excludes, so you know exactly what to expect from your coverage.
Stay on top of payments
Keeping up with your insurance payments is super important. If you miss payments, your policy might lapse, leaving you without coverage when you need it most. To make things easier, set up a direct debit or let us know if you’re having trouble making payments. We’ll work with your insurance provider to try and find a solution that helps you keep your coverage at a price that you can afford.
We are your friendly insurance partner
As you can see, there’s a lot to think about when it comes to insurance. That’s why we’re here. From choosing a policy to supporting you with claims, we can be your go-to resource for navigating the insurance world. Get in touch if you’d like to talk about your needs.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.