Many important insurance considerations can easily be missed, but getting them right can make a significant difference when it comes to protecting your assets and ensuring claims are dealt with smoothly. Below are some key points worth keeping in mind.
1. Did you know vehicle theft remains a continued issue across the UK, and insurers are increasingly requesting additional security measures on vehicles they didn’t previously require?
Approved aftermarket security devices, such as trackers and immobilisers, can help reduce risk, and Concierge can introduce you to trusted specialists who can fit insurer-approved systems. A theft can also impact future premiums, so prevention is an important step in protecting your vehicle.
2. Did you know your travel insurance has a cancellation limit per person, per trip?
If you are booking a special holiday, it is important to check your cover at the point of booking to ensure your cancellation limit is sufficient for the full cost of your trip.
3. Did you know that if you receive a motoring conviction, you must notify your insurer or broker straight away?
Some insurers will note it for renewal, while others may apply changes immediately, so timely disclosure is essential to ensure your cover remains accurate and valid.
4. Did you know C&C Private Clients offers a Concierge Service designed to help meet insurer requirements and enhance protection for your home?
This can include intruder alarms, safes, water leak detection systems, and other approved security solutions through our trusted partners.
5. Did you know many people underestimate the value of their home contents and buildings?
We can help you calculate your sums insured using contents inventories and, if required, attend to assist in person. If your insurer does not provide a rebuild valuation, we can arrange a formal Rebuild Cost Assessment for £149, recognised by insurers. It is also important to understand that the rebuild cost of your home is different from its market value — market value is what your property may sell for, whereas rebuild cost is what it would actually cost to reconstruct it from the ground up. Jewellery, watches, and artwork should also be professionally valued, and our Concierge partners can assist with arranging this. Underinsurance must be avoided to ensure claims are settled fairly and in full.
6. Did you know that if you change your vehicle registration plate, you must tell your insurer straight away?
This ensures your insurer records match the DVLA and helps avoid issues where your vehicle could incorrectly appear as uninsured on official databases.
7. Did you know that when buying a new or additional home, insurance should be arranged at the point of exchange of contracts?
As soon as property details are available, we can begin arranging quotations to ensure cover is in place when you need it most.
8. Did you know that if you are planning home renovations or an extension, you may need Contract Works Insurance?
At the very least, your insurer must be notified before work begins, as many policies have limits that may not fully cover larger building projects.
9. Did you know that if your property has previously flooded or suffered subsidence, this must always be disclosed to your insurer?
Full details will be required, including the cause, repairs completed, and any preventative measures now in place to reduce future risk.
10. Did you know that smart home technology and AI-enabled devices can introduce new security risks if not properly managed?
While smart systems such as connected alarms, CCTV, doorbells, and voice assistants can improve convenience and protection, they can also create vulnerabilities if accounts are weak, software is not updated, or devices are poorly configured. Cyber intrusions, unauthorised access, or data breaches linked to connected home systems can potentially impact privacy and even physical security. It is important to ensure devices are securely set up, regularly updated, and protected with strong passwords and two-factor authentication where available.
If you would like any guidance on any of the points above, C&C Private Clients is here to help ensure your cover remains accurate, compliant, and tailored to your needs.
