Practical guidance for understanding cover, preparing better submissions and making informed decisions.
These guides explain common insurance concepts. Your final policy schedule and wording remain the authoritative contract.
A sum insured should reflect the basis required by the policy—often replacement, reinstatement, market value or an agreed benefit. Underinsurance can reduce a property claim even when the loss is partial.
The excess is the portion of an accepted claim you retain. A higher excess may reduce premium, but it should remain affordable when a loss happens.
Insurers price and accept risk using the information provided. Disclose facts that could influence acceptance, premium, terms or claim assessment, and ask when unsure.
Renewal is a chance to update values, exposures, beneficiaries, employees, vehicles and risk controls—not merely repeat last year's programme.
Notify promptly, prevent further loss where safe, preserve evidence and follow the insurer's instructions. Do not dispose of damaged property or admit third-party liability without guidance.
The lowest premium is not automatically the best outcome. Compare the insured events, limits, exclusions, excesses, warranties, service arrangements and the insurer behind the terms.
Use the canonical Jawany guide for each task so that requirements and status definitions stay consistent.
Quotations, underwriting, cover confirmation, payment safety, policy changes, claims and renewals.
Read the FAQs →Initial actions and common evidence for motor, medical, property, liability, life, work injury, travel and cargo claims.
Prepare a claim →Understand enquiry, underwriting, placement, cover, claims, renewal and complaint statuses.
See how service works →Submit a documented concern and explain the outcome you are seeking.
Open complaints process →How personal and sensitive information is collected, used, shared, retained and protected.
Read privacy notice →Website, portal, quotation and account terms, including important insurance status limitations.
Read terms →The price charged for the agreed period of cover, subject to taxes, levies and payment terms.
The principle of restoring an insured, as closely as possible, to the financial position before an insured loss.
A circumstance, cause or type of loss that the policy does not cover.
A policy requirement that may affect cover or claims if it is not observed.
The maximum amount payable for the defined claim, event, period or section.
The insurer's assessment of whether and on what terms it is willing to accept a risk.
We can review the exposure and explain the information insurers will require.
Contact an advisor