Clear answers to common insurance questions.

Ask the insurer for the reason and review it against your policy terms. Check whether documents, declarations or policy conditions affected the decision.

If you are a Shieldpoint client, we can help you understand the response, review required documents and follow up where appropriate. The insurer remains responsible for the final assessment.

Requirements vary, but you may be asked for a completed claim form, police abstract where applicable, driver’s licence, logbook, policy details, photographs, accident details and repair or assessment documents.

Contact your insurer or Shieldpoint promptly because other documents may be required.

As soon as reasonably possible. Policies may contain notification requirements, so avoiding unnecessary delay can help prevent complications. Contact Shieldpoint if you are unsure what to do next.

No. Comprehensive policies still contain limits, exclusions, excesses and conditions. Optional benefits also differ between insurers, so the actual terms matter as much as the premium.

An excess is the portion of an eligible claim you may need to pay yourself before or as part of settlement. The amount and circumstances vary by policy.

Excess Protector is an optional benefit under some motor policies that may reduce or remove certain excesses after an eligible claim. The exact protection varies by insurer and policy.

Do not assume it transfers automatically. Contact the insurer or Shieldpoint because the policy may need to be cancelled, adjusted or transferred to another vehicle, subject to the insurer’s terms.

Once cover expires, do not assume you remain insured. Start reviewing before the expiry date to avoid an unnecessary gap.

Insurers may consider vehicle value, age, make, model, use, claims history, selected benefits and underwriting rules. Different vehicles can therefore attract different rates.

Review inpatient and outpatient benefits, hospital network, co-payments, exclusions, waiting periods, dependants and any changes to terms—not only the premium.

Potentially. A replacement may have different underwriting, waiting periods, exclusions, benefits or eligibility rules. Understand the new terms before cancelling existing cover.

No. Requirements vary. Some applicants may need additional underwriting or an examination before the insurer decides. Shieldpoint can help explain available requirements.

Travel insurance may help with selected unexpected events such as medical emergencies, baggage problems, delays, personal accident, liability or repatriation assistance. Benefits and requirements vary by destination and insurer.

Policies may include emergency medical expenses, repatriation assistance, personal accident, baggage problems, delays, cancellation or interruption, liability and legal expenses. Check the actual limits, exclusions and conditions.

It is a benefit that may help coordinate covered arrangements for returning a traveller home if they pass away abroad. It can reduce some logistical and financial pressure on the family. Limits and conditions vary.

No. Medical evacuation generally concerns transporting a living traveller for appropriate care. Repatriation of remains concerns arrangements following the loss of a traveller abroad. Policies may treat them as separate benefits.

The insurer underwrites the policy and carries the insured risk. An agency such as Shieldpoint helps clients understand their needs, explore suitable options and manage the insurance relationship.

Shieldpoint helps you compare premiums, benefits, excesses, exclusions and underwriting terms from suitable insurers, subject to insurer underwriting. You keep one dedicated advisory relationship instead of managing every conversation alone.

Not necessarily. A policy should also be assessed for benefits, exclusions, excesses, limits and suitability. The aim is appropriate protection at a competitive price—not simply the lowest number.

Start before the final few days. This creates time to review current cover, update changed circumstances, compare suitable options and resolve documentation questions.

Yes. You can register for Renewal Reminders and choose when you would like to be reminded. Registration is optional and does not transfer your policy to Shieldpoint.

Yes. The service can help you remember an upcoming renewal even if Shieldpoint did not arrange the policy. You may later ask us to help review suitable options.