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Showing 4 of 10 guidesUnderstanding Insurance Types
• Insurance policies vary widely — always check what is covered, what is excluded, and the claim limits. • Most policies are ‘contractual promises’ with strict definitions. Small wording differences can change outcomes. • Premiums are based on risk information you provide. Inaccurate details can lead to claims being reduced or declined. • Excess, limits, and conditions matter as much as the headline cover. • Renewal is a key moment to review cover, not just price.
Core GuideHow Insurers Price Risk
• Premiums are based on probability (how likely a claim is) and severity (how costly it could be). • Insurers use rating factors (for example postcode, claims history, and vehicle type) to estimate risk. • Your premium can change at renewal even if you haven’t claimed — because market costs and risk models change. • Small changes to excess, security, or cover limits can change your price materially. • Accurate information is essential — incorrect details can affect both price and claims outcomes.
Core GuideExcess Explained
• Excess is what you pay towards a claim before the insurer pays the remainder (up to policy limits). • Most policies have a compulsory excess; many also let you choose a voluntary excess. • Higher excess often reduces premium, but increases your out-of-pocket cost when you claim. • Some claims may have multiple excesses (for example escape of water + accidental damage). • Always check if excess applies per claim, per incident, or per section of cover.
Core GuideClaims Process Explained
• Report claims promptly and follow the policy’s notification rules. • Gather evidence early: photos, receipts, timelines, and police reference numbers where relevant. • Insurers may repair, replace, or cash-settle depending on the policy and circumstances. • You may be asked to minimise further loss (for example, temporary repairs to prevent additional damage). • If you disagree with a decision, use the complaints process and ask for the policy wording relied upon.