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COVER GAPS

The hidden gaps that can weaken your insurance cover.

Having a policy does not always mean every important risk is properly covered. We help clients understand where gaps may exist before they become costly.

Clear guidance.
Tailored cover.
CLEAR GUIDANCE

Common cover gaps

These are prompts for a closer conversation—not assumptions that your existing policy is wrong.

01

Underinsured vehicles or property

Understand what it means, why it matters and what details are worth checking.

02

Missing PVT extension

Understand what it means, why it matters and what details are worth checking.

03

No excess protector

Understand what it means, why it matters and what details are worth checking.

04

Low medical limits

Understand what it means, why it matters and what details are worth checking.

05

Unclear exclusions

Understand what it means, why it matters and what details are worth checking.

06

Outdated asset values

Understand what it means, why it matters and what details are worth checking.

07

Late renewals

Understand what it means, why it matters and what details are worth checking.

08

Incorrect business use

Understand what it means, why it matters and what details are worth checking.

09

Missing staff cover

Understand what it means, why it matters and what details are worth checking.

10

Low liability limits

Understand what it means, why it matters and what details are worth checking.

WHAT TO PREPARE

A clearer place to start.

Use this list to organise the details that may support a more useful review.

01Has your asset value changed?

02Do you know your exclusions?

03Have you checked your excess?

04Are policy details updated?

05Do you know claim documents?

06Did you review before renewal?

PRACTICAL SUPPORT

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Share the essentials and we’ll help you understand suitable next steps.

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