Before requesting cover
- Clarify what you want protected and why.
- Gather basic details about the person, asset, business activity, or institution involved.
- Note any previous cover, recent changes, or known concerns.
Resources
Useful preparation before insurance decisions.
These notes help clients prepare for clearer conversations. They are not policy documents, quotations, or legal advice.
Before renewal
- Review what has changed since the last policy period.
- Check contact details, asset details, business information, and any important dates.
- Raise questions early so there is time to review options.
Before a claim conversation
- Write down the timeline while details are still fresh.
- Keep correspondence, photos, invoices, reports, and notices together.
- Avoid guessing where facts are not yet clear.
When comparing options
- Look beyond price and ask what is included, excluded, limited, or conditional.
- Review the policy wording and insurer requirements before making a decision.
- Ask what information must be kept updated after cover is placed.
Documents to keep organised
- Policy documents and renewal notices.
- Receipts, invoices, valuation records, reports, and correspondence.
- Contact details for relevant people in your household, business, or institution.
Questions to ask your broker
- What information is needed before options can be reviewed?
- What should I pay close attention to in the policy wording?
- What should I update if my circumstances change?