Rebel Without a Clause

Are you a rebel who doesn’t read their insurance documents? Well, this type of rebel isn’t fighting the system or stickin’ it to the man like James Dean.

As we all know, insurance policies can seem complex. However, the reality is once you sit down and read your policy documents it’s easier to get a grasp of what you’re insured for.

There are factors such as endorsements that can alter a policy, which can affect your cover.

What Are Endorsements?

An endorsement is a change to the original terms of cover in the policy wording.

This could be removing, adding, excluding or an amendment to the insurance policy. It notes any exclusions or responsibilities you may have as the policy holder.

Endorsements can make a significant difference to your cover, so be sure to read it carefully.

An example of an endorsement can be an insurer agreeing to insure you, but only if they don’t pay out in the event of a flooding claim. This can be because there’s a high-risk of flooding in your area, or a history of floods. You will find any endorsements on your policy schedule – which you can find in your emails or in your physical documents.

Why Does It Matter?

If you fail to comply with the terms of any endorsements, you may be left without cover.

Endorsements will outline what you will need to agree to in order to obtain the ideal protection for your home.

My Policy

Read all your policy documents carefully, paying extra attention to the endorsements section on your schedule. If you have any questions or concerns, please contact us.

Familiarise yourself with definitions and explanations found in the policy wording. You can also take a look at our Jargon Buster here, which outlines definitions for different insurance terminology.

Reviewing Your Policy Documents

Always review your documentation to ensure your policy is suitable for your needs. Make sure you understand the cover you have, paying particular attention to the schedule.

Your endorsements section is also essential, as there may have been important changes made by your insurer.

Check the information we have is accurate and up to date to keep you protected.

You can log in to your account today to view your documents or check your emails if you’re an eDocs customer.