What to check before choosing insurance

Start with the risk

Write down what you need to protect and what a serious loss would mean for you. A low premium alone cannot show whether the cover meets that need.

Read the limits and exclusions

Check the maximum payable, excesses, waiting periods and events the policy does not cover. Ask how these apply to your circumstances.

Confirm when and where cover applies

Review the start and end dates, territorial scope and any duties you must meet. Keep a copy of the quotation, schedule and policy wording.

General information only. Your policy wording and the rules applicable to your location determine your cover.