Notes
The parts of a policy that decide claims.
Written by advisers here, for clients reading their own documents. General information about how insurance contracts work. It is not advice, and not a description of any particular policy.
- N-01 · GuideHow to read a policy schedule before you need itThe schedule is the document that says what your specific policy covers. Most disputes are visible in it, months before a claim.
- N-02 · GuideUnderinsurance: why a paid claim can still fall shortA settlement can be reduced even where a loss is clearly covered. The mechanism is usually a condition of average applied to a declared value.
- N-03 · ClaimsWhat to do in the first hours of a lossClaims are decided partly on evidence gathered before anyone thinks about the policy. A short, ordered response protects both the property and the claim.
- N-04 · GuideSix questions worth asking at every renewalRenewal is the only scheduled moment when cover can be restructured without cost. Most policies renew unchanged because nobody asked.