January 23rd 2019

Don’t worry, my insurance will cover it…

Whilst insurance can be a great extra layer of protection for your personal assets, pets and trips, it’s still important to ensure that you’re aware of the terms and conditions and more importantly, the exclusions of your policy.

We take a look at some things that could invalidate your personal insurance, do you do any of these things?

Car Insurance

  • Lying about key details such as your address
  • Not informing your insurer about past accidents or violations
  • Putting a lower risk motorist as the main driver and the real motorist as a named driver – this is known as ‘fronting’
  • Incorrectly estimating your mileage
  • Driving with unsecured pets
  • Lettings others drive your car without cover in place
  • Charging for lifts

Home Insurance

  • Not securing your home, such as leaving doors unlocked
  • Leaving your home unoccupied for over 30 days
  • Installing a cat flap without informing your insurer
  • Getting a lodger without informing your insurer
  • Renovation
  • Overestimating the value of your contents
  • Failing to notify the police of a break-in

Pet Insurance

  • Omitting information about pre-existing illnesses or treatment
  • Lying about the type/breed of pet(s) you own
  • Missing annual health checks or vaccinations
  • Not informing your insurer when you move home

Travel Insurance

  • Participating in excluded activities such as adventure sports without sufficient cover
  • Misuse of drugs or alcohol
  • Not disclosing pre-existing illnesses to your insurer
  • Failing to file a police report following theft
  • Travelling to banned or dangerous areas
  • Leaving valuables behind at the poolside
  • Using your hotel’s storage room

At Hine we’ll work with you to ensure that you’re covered for what you need, whilst making sure you’re fully aware of any exclusions your policy stipulates. Should you need to make a claim, you’ll benefit from our claims consultancy and access to a Chartered loss adjuster. To find out more, call one of our friendly team on 0161 438 0000.