Outdated insured values
Vehicles, property and business assets can change in value. Old figures may leave the policy out of step with the current risk.
Missing extensions
Depending on the risk, relevant extensions might include PVT, excess protector, business interruption, liability, contents or staff covers.
Low limits
Medical, liability and property limits—and the sub-limits inside them—should match the practical cost of the risk where possible.
Unclear exclusions
Exclusions describe situations a policy may not cover. They should be understood before a claim, not discovered during one.
Wrong use or details
Private versus business vehicle use, employee schedules, property occupancy and asset details should be current and accurately declared.
This guide is for general information only and does not replace insurer policy wording, underwriting terms or professional advice based on your specific situation.