Tick the items as you prepare. Progress is kept only while this page stays open. You can print a copy for your renewal discussion.
Gather your documents.
Start with what you already have. Keep the current terms and renewal information together.
Record what has changed.
A renewal is a chance to check whether your cover still fits. Note the changes relevant to the policy you are reviewing.
Compare the detail.
Use the same workforce, activities, dates and requested limits for each quotation. Record assumptions, excluded activities and information still outstanding.
Ask about cover, cost and service.
- Cover
- What is included, limited or excluded? Compare per-person, per-event and annual limits. Ask how excesses, co-payments and waiting periods affect a claim.
- Cost
- What is the final premium and what would you pay when claiming? Separate the insurance premium, taxes and any stated fees.
- Service
- Who handles enrolment, enquiries and claims follow-up? Confirm reporting requirements and the person responsible for administration.
Confirm the next steps.
Resolve the practical questions before cover begins, and make sure everyone knows what happens next.
General preparation guidance. Your policy wording and insurer’s terms determine your cover.