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7 Deadly Sins in Insurance

7 Deadly Sins in Insurance

If you heed these you’ll avoid costly financial disasters and have a worry free insurance life…

  1. First and foremost don’t lie, conceal, misconstrue or misrepresent anything you are asked in the form filling or information providing process when you are taking out insurance. It is a cardinal sin and could result in your claim being rejected or policy voided.
  2. Don’t underinsure to save money. By intentionally reducing your sums insured to keep the premium low will inevitably backfire when you come to make a claim. It is most likely you will not be fully reimbursed for your loss as the insurance loss adjuster will easily discover this.
  3. By chasing the cheapest premium you leave yourself open to possible gaps in cover and which may, again, leave you out of pocket or nursing financial losses. Insure wisely.
  4. Don’t be lazy by not checking or reading your policy documents. You must acquaint yourself with your responsibilities regarding your insurance cover. Most policies come with conditions, clauses, warranties and excesses. Know them. It also allows you to double check that you have the correct cover or any mistakes.
  5. Don’t forget to declare your claims history when asked. A forgotten claim may lead to your insurer withdrawing cover just when you need it most.
  6. Be careful when buying Online Insurance that you don’t input the wrong information (eg business trade). This may invalidate your insurance policy and could put you out of business!
  7. Finally, it is a sin not to ask your insurance provider something that you do not understand in your policy. “I wasn’t aware of…” or “I didn’t know what that meant…” is the mother of all insurance disasters.

Be aware….  Be very aware….

Who we work with...
We work closely with some of the best known names in UK and World insurance.
Allianz
Royal
Lloyds
Zurich
Aviva
Axa
Titan Insurance Services Limited is an independent intermediary, is authorised and regulated by the Financial Conduct Authority
and is entered on the FCA register (www.fca.org.uk) under reference 308143
Registered Office: Caprini House, 163 to 173 Praed Street, London W2 1RH
Registered in England No. 2078796
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