- 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.
- 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
- 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”
- Insurance is based on utmost good faith. Your premium is based on the information that you give your insurer – Always be honest.