Find what changed and what you're covered for
Whether it's a renewal, a policy update or a claim decision, the two things that matter are what you are covered for and what is excluded, and any change to your premium or excess.
Common insurance letters
- Renewal notice: your policy is rolling over, usually with a new premium. Check if the price or cover changed.
- Policy change / endorsement: a term of your cover has changed. Read what's now included or excluded.
- Claim decision: your claim is approved, partly approved, or declined, with reasons and the excess you pay.
- Request for information: the insurer needs details to assess a claim, with a deadline.
What to check
- Your excess (what you pay before cover kicks in) and any new exclusions.
- Whether the premium rose, and whether the cover is still right for you.
- If a claim is declined, the specific reason. You can ask the insurer to reconsider, or complain to the free Insurance & Financial Services Ombudsman.