How SMEs Can Prevent Insurance Claim Delays
Most claim delays start long before the loss. A few habits make the process much faster when you need it.
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A policy is only useful if it pays out when you need it. Here is how to read yours with fresh eyes.
Start with the schedule
The schedule shows what is insured, for how much, and which excesses apply. Make sure every vehicle, item and address on it is correct. Small errors here cause big arguments later.
Read the exclusions section twice
Exclusions tell you what the policy will not cover. Wear and tear, gradual damage and unlicensed drivers are common ones. If you do not understand a line, ask.
Tell your insurer about changes
New driver, home renovation, alarm upgrade, a car now parked on the street. Changes in risk need to be disclosed. Non-disclosure is one of the most common reasons claims fail.
Use your broker
That is what we are here for. We read the fine print so you do not have to, and we will tell you plainly where the gaps are.
This article is general information, not advice for your specific situation. Speak to a broker before changing your cover.
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