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how-insurers-work
3 articles on how-insurers-work.
Contents insurance·
What 'Automatic Sum Insured' Really Means on Your Policy
Many policies fill in your contents cover for you, with a default figure you never chose. It feels reassuring. It can also be the quietest way to end up underinsured.
Insurance claims·
Insured on Averages, Paid on Proof: the Asymmetry Nobody Explains
Insurers sign you up on a quick average and pay you out on detailed proof. That switch, from estimate to evidence, is where most contents claims quietly fall short.
Underinsurance·
Why Your Insurer Never Asks What You Actually Own
When you take out contents cover, the insurer asks your postcode and how many bedrooms you have. It almost never asks what is inside. Here is why, and what it means for you.