Conversations at home
Insurance arranges a moving van: are the contents insured in transit too?
Arranging a moving van does not establish cover for belongings in transit. Clarify the service, property and route.
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Conversations at home
Is daily hospital cash the same as reimbursement of the hospital bill?
A daily hospital benefit does not pay every invoice. Separate eligible days, the daily amount and medical expenses in your review.
Read articleThe office at 6 pm
Pay has changed: has the earnings figure reported for workplace insurance changed too?
Has a pay rise also reached the work-accident insurance records? Compare actual remuneration with the information supplied.
Read articleInsurance made simple
Can you distinguish surrender from reducing a life-insurance contract?
Surrender and reduction have different effects in life insurance. Identify the operation, the objective concerned and current terms before deciding.
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Does animal liability pay for vaccinations, or is different protection needed?
A vaccination discount and reimbursement are different benefits. Compare network access, policy options and costs for your pet.
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Modified your e-bike motor: does the insurance enquiry still describe the vehicle?
Modified the motor on your bicycle? Describe its actual specifications and review the insurance without assuming its vehicle category.
Read articleLife doesn’t warn you
Entering a regatta: does your leisure-boat insurance describe that use?
Entering a regatta changes the questions to ask about boat use. Check any extension and its terms before relying on insurance cover.
Read articleLife in the policy
Your hunting gun is damaged: is that a liability question?
Hunting liability and damage to your own weapon are separate insurance questions. Check the insured property, events and limits.
Read articleInsurance made simple
Does a cargo sum insured include freight and packing?
The goods price may not describe the whole transit exposure. Separate freight, packaging and other costs when requesting a quotation.
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You exercised a lease purchase option: do the insurance parties stay the same?
Organise the financing end, acquisition date and policy period. Check ownership, interests and future protection using the relevant documents.
Read articleLife doesn’t warn you
Is moving machinery around a site the same as taking it onto the road?
Moving machinery on site differs from public-road use. Describe the route and operation before reviewing the insurance terms.
Read articleThe office at 6 pm
Does a customs bond insure goods held at customs?
A customs bond and cargo insurance serve different purposes. Identify the obligation, beneficiary and goods being transported.
Read articleInsurance made simple
Does a scorch mark establish a fire claim?
A scorch mark alone does not establish a fire claim. Learn which facts to record and which policy definition to check.
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Cancelled flight: do passenger rights replace travel insurance?
Separate passenger rights, additional expenses and policy benefits. An airline refund does not answer every question about the rest of the trip.
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Emergency vet: does the insurance network work the same way out of hours?
Check the available service, treatment location and personal charges. A listed clinic does not prove round-the-clock availability or full payment.
Read articleRenew
Removing someone from family health cover: which price and date need confirmation?
Compare the change across the whole policy. Confirm its effective date and the new total, including any family-based pricing conditions.
Read articleThe office at 6 pm
Life cover for business partners: who receives continuity funding?
A business purpose needs a defined need and payment recipient. Read partnership arrangements and the life policy together before comparing insured amounts.
Read articleThe office at 6 pm
Tall or heavy van: can the assistance service transport your vehicle?
Height, weight and equipment may matter when choosing breakdown assistance. Describe the actual van before comparing recovery distances alone.
Read articleThe office at 6 pm
Employer health cover: where should you send an appointment invoice?
An employer-funded benefit may have a personal expense channel. Check the reimbursement route before sending clinical documents around the workplace.
Read articleLife in the policy
Premium waiver: does it mean receiving an insurance payment?
A waiver may change who pays the premium without delivering cash to the insured person. Identify its trigger and the protection that remains afterwards.
Read articleLife in the policy
Using a trailer: does the car's registration settle the insurance question?
Identify the trailer and its use before driving. Third-party liability, damage to the trailer and transported property are separate insurance questions.
Read articleLife in the policy
Medical second opinion: another appointment or a different service?
Check the process, documents and expected output of a second-opinion benefit. An expert opinion is not authorisation for every recommended treatment.
Read articleThe condominium group
The garage gate hit a car: which responsibilities need clarification?
Separate vehicle damage, gate operation and possible condominium liability. A malfunction alone does not settle who must compensate the owner.
Read articleThe condominium group
Attempted entry: are a damaged lock and stolen property the same claim?
An attempted break-in may cause damage even when nothing is missing. Record each loss and check the relevant terms of the condominium policy.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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