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Don’t worry, my insurance will cover it…
Posted on Jun 15, 2021
Whilst insurance can be a great extra layer of protection for your personal assets, pets and trips, it’s still important to ensure that you’re aware of the terms and conditions and more importantly, the exclusions of your policy.
We take a look at some things that could invalidate your personal insurance, do you do any of these things?
Car Insurance
- Lying about key details such as your address
- Not informing your insurer about past accidents or violations
- Putting a lower risk motorist as the main driver and the real motorist as a named driver, called ‘fronting’
- Incorrectly estimating your mileage
- Driving with unsecured pets
- Lettings others drive your car without cover in place
- Charging for lifts
Home Insurance
- Not securing your home, such as leaving doors unlocked
- Leaving your home unoccupied for over 30 days
- Installing a cat flap without informing your insurer
- Getting a lodger without informing your insurer
- Renovation
- Overestimating the value of your contents
- Sharing holiday photos online
- Failing to call 999 during or following a break in
Pet Insurance
- Omitting information about pre-existing illnesses or treatment
- Lying about the type of pet(s) you own
- Missing annual health checks or vaccinations
- Not informing your insurer when you move home
Travel Insurance
- Participating in excluded activities such as adventure sports without sufficient cover
- Misuse of drugs or alcohol
- Not disclosing pre-existing illnesses to your insurer
- Failing to file a police report following theft
- Travelling to banned or dangerous areas
- Asking a stranger to take your photo
- Leaving valuables behind at the poolside
- Using your hotel’s storage room
At Watkin Davies we’ll work with you to ensure that you’re covered for what you need, whilst making you fully aware of any exclusions your policy stipulates. Should you need to make a claim, we’ll work on your behalf to ensure you get a fair outcome and will provide advice and support when you need it.
To find out more, call one of our friendly team on 029 20 626 226.
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What Our Customers Say
Mal Elwood
"Very efficient, always friendly and helpful. I have used Watkin Davies for years, and they have always been competitive. I received great support recently when I had to make a claim, so I'd highly recommend them."
A Ali
"I was very impressed with the quality of the service - it was outstanding. The advisor, Ms Spear went above and beyond to give me the best driving insurance policy. The policy I have received is exactly what I was looking for. Thank you so much Ms Spear!"
Adam Kearns
"I've used Instructorcover Plus for my driving instructor insurance for a number of years. Not only are prices competitive, even at renewal, but customer service is fantastic. Call operators are always cheerful and incredibly helpful. Everything is always sorted in a single call, saving valuable time. Highly recommend."
Macca Ginger
"Absolutely superb service from the team, particularly Natalie. Very easy and simple process"
steve rudgley
"As aways very efficient"
Barrie P
"I have used InstructorcoverPlus for my driving tuition insurance for a number of years. Their prices are always competitive and everyone I speak to is friendly and helpful."
Kathryn Parkes
"Ceri was very helpful and knowledgeable on the phone"
John Gabriel
"Karrie Brewer was so helpful today, especially as one insurance company would not quote, so had to shop around for us, many thanks"
Sulman Khosty
"Kelly is amazing. Very helpful and friendly, did a great job today with helping me out to get insured. Amazing service!"
Andy Amadi
"Great service. Got my first driving instructor insurance with this firm. Price was competitive and customer service provided by Jane was great. I will definitely recommend the service."
Lynne Turner
"Team were very helpful when it came time to renew my policy, taking the time to check and make any amendments needed. Would highly recommend."
Nikki Mellin
"5 stars!"
Pam Durbin
"Excellent service from Watkin Davies as per usual. I love the way they do all the hard work researching best quotes and provide you with your options. All the staff are very friendly and professional, I have to highlight Ceri who always does a fantastic job for me and my family."
Steve P
"Really helpful and efficient customer service, friendly and knowledgeable too. I would highly recommend InstructorcoverPlus."
Ricki Dango
"I m a returning customer and what a wonderful experience. Emma is new to her role but she was very helpful and polite throughout. She got the quote done very quickly and managed to beat all my other quotations. I therefore didn't have to waste any more time. Further she offered me three instalments at 0% which is helpful in this current economic climate. The paperwork was sent straight away. Highly recommended."
Gary Williams
"Once again, could not have been more helpful! Still a pleasure to speak to a 'real person' who knew what they were talking about!"