Making a Claim
Two policies on one loss share the bill and do not double it
Dual cover is far more common than people realise. Insurance pays for a loss once, and the insurers settle the split between…
Making a Claim
Evidence, timing, loss adjusters and what to do when a claim is declined.
20 articles · updated August 11, 2026 · page 2 of 2
Making a Claim
Late notification breaches a condition even when the loss is genuine
Every policy requires a claim to be reported within a stated time. Delay damages the evidence, and insurers treat it accordingly.
Making a Claim
Exaggerating a genuine claim can cost you the genuine part
Adding a little to an honest loss feels harmless. In much of the world it converts a payable claim into a forfeited one.
Making a Claim
Insurers share claims data, and the record travels with you
Quotations are checked against industry databases before anyone reads your answers. The record includes incidents you never claimed…
Making a Claim
Why an insurer investigates a claim it fully expects to pay
Validation is routine rather than suspicious. Knowing what triggers a closer look makes the process far less alarming.
Making a Claim
Never admit liability is a condition, not a matter of manners
Saying sorry at the scene feels decent and human. Your policy treats an admission as something that binds the insurer defending you.
Making a Claim
Cancelled, voided and avoided are three different endings
How a policy ends decides what you must declare for years afterwards. The three words are used loosely and mean very different…
Making a Claim
What happens to your cover if the insurer itself fails
Insurer failure is rare and heavily guarded against. It is not impossible, and what protects you differs sharply by country and by…