#ForewarnedisForearmed

1. It is your insurers obligation to provide you with the full policy terms and conditions. If you did not receive your policy documents, you also have an obligation, as a party to the contract, to contact your insurer and request the policy terms and conditions.
2. Consumers must ask their insurers to explain terms & conditions in their policies which they do not understand and raise queries  to obtain clarity – Know your Cover
3. Remember that it is your duty to insure your items for their correct values – Avoid being under-insured (refer November 13, 2018 article “Avoiding Under-insurance”
4. Insurance is based on utmost good faith. Your premium is based on the information that you give your insurer – Always be honest.