Making a Claim
The exclusions page is the policy
Cover is defined by what it refuses to pay for. Reading the schedule first tells you more than any summary.
Rhiannon Blake
Editor, Insured and Ready
Rhiannon edits Insured and Ready and spent eleven years handling claims before deciding the explanations were the useful part.
Contact Rhiannon through our contact page — mark your message for their attention and it will be passed on.
5 articles
Making a Claim
Why a claim gets declined, in order of frequency
Declined claims cluster into a handful of causes, and nearly all of them are decided long before the loss happens.
Motor
The excess is the most under-used lever on a policy
Raising the excess lowers the premium immediately, and most policyholders would never have claimed for that amount anyway.
Life & Income
Term life cover is simple, and that is the point
Most people need a fixed amount for a fixed period. Almost everything more complicated is solving a different problem.
Making a Claim
Auto-renewal is where insurance quietly gets expensive
Renewal pricing is not a reward for loyalty. In most markets it is the opposite, and it compounds silently.