Just because we have insurance doesn’t mean it won’t end in tears.
Can you leave the keys in the car and expect a payout when its stolen? Probably not.
All due care must be taken to ensure that situations like the above don’t happen.
Have you taken the appropriate cover for the event you are claiming for?
What you think you have and what you actually have may be miles apart.
There are obligations that both the insurer and the insured must meet to ensure that a satisfactory outcome is achieved.
Most of these obligations are common sense, for example:
- Locking your house or car
- Not drinking and driving
- Maintaining your possessions to a reasonable standard