General Do’s & Don’ts

general insurance dos and donts

DUTY OF DISCLOSURE

  •  DO inform your insurer of any inaccuracies, and disclose all material facts whether or not the subject of a specific question, as failure to do so may invalidate your contract of insurance or result in a claim being rejected

ALTERATION

  •  DO notify your insurer if there is any material alteration to your circumstances

PREMIUM PAYMENT

  • DO ensure your premium is paid in full within the specified timescale
  • DON’T default on your direct debit / monthly repayments

SURVEY & FORMS

  •  DO complete all survey requirements, proposal forms and periodic declaration forms within the specified timescales

REASONABLE PRECAUTIONS

  • DO maintain your premises and all equipment
  • DO take all reasonable precautions for the safety of your property insured and to prevent loss, destruction, damage, accident or injury
  • DO comply with all statutory requirements and regulations
  • DO keep books with a complete record of purchases and sales
  • DO take all precautions to minimise the cost of claims or legal proceedingsDo's and Don'ts pages - Bob 'STOP' EM 250716-01

OCCUPANCY

  •  DO notify your insurer if any part of your premises becomes unoccupied or tenanted, or when any unoccupied part becomes reoccupied

SCAFFOLDING

  • DO notify your insurers if scaffolding is being erected around buildings you own or occupy. Insurers vary the terms of policy coverage during the period scaffolding is erected. It is best to know and understand the terms

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