What do you need to protect?
Start with your everyday life: the people who depend on you, the vehicle you drive, your home or your business. Write down the risks that would be hardest to manage on your own.
What is actually included?
Ask for the policy wording, benefit limits and exclusions. Check waiting periods, excesses and any conditions you must meet. A summary is a useful starting point; the policy wording contains the full terms.
What can you comfortably afford?
Look at both the premium and what you would pay when making a claim. Ask which payment arrangements are available and what happens if a payment is missed.
How does a claim work?
Find out how to report an incident, which documents to keep and who to contact. Save the claims contact details alongside your policy number.
Does the cover still fit?
Revisit your cover when life changes: a new child, a new home, a different car or a growing business. Tell your provider when circumstances change.
This guide provides general information to help you ask questions. Your policy wording and individual circumstances determine the cover that applies.
Talk about your options