Frequently Asked Questions
Find answers to common questions about insurance.
Travel insurance is strongly recommended because medical treatment, cancellations, delays and baggage issues can become costly overseas. The right plan depends on where you are going, how long you will be away and what activities you plan to do.
Common benefits include overseas medical expenses, emergency assistance, trip cancellation, travel delay, baggage loss or delay and personal accident coverage. Exact limits and exclusions differ by insurer and plan.
Most travel insurance should be bought before departure. Some insurers may not cover trips that have already started, so contact us and we will check what options may still be available.
Keep your documents, receipts, reports and travel records. For emergencies, contact the insurer assistance hotline as soon as possible. We can guide you on the documents to submit when you return.
Common options include third-party only, third-party fire and theft, and comprehensive motor insurance. The right choice depends on your vehicle value, usage, financing requirements and risk tolerance.
Useful details include vehicle make and model, registration date, owner and driver information, vehicle usage, current insurer, no-claim discount and any recent claims.
Yes. Commercial vehicle coverage can be arranged based on vehicle type, business activity, driver arrangements and goods or passenger usage.
Prioritise safety, exchange details, take photos, report the accident as required and contact the insurer or authorised reporting centre. We can help you understand the next steps.
Home insurance may cover the building, renovations, home contents, personal belongings and liability, depending on the policy. Coverage varies between owner, landlord and tenant situations.
No. Fire insurance is usually narrower and often relates to the building structure. Home insurance can include wider protection such as contents, renovation works and personal liability.
Tenants may still want contents and personal liability coverage, especially if they own valuable belongings or want protection against accidental damage scenarios.
Coverage should reflect realistic rebuilding, renovation and replacement costs. Underinsuring can affect claim outcomes, so it is worth reviewing your sums insured carefully.
It depends on your work, premises, employees, contracts and customer exposure. Common policies include property, public liability, work injury compensation, professional indemnity and cyber insurance.
Public liability insurance can help if a third party alleges injury or property damage caused by your business. It is often requested by landlords, clients or event organisers.
Work injury compensation insurance helps cover eligible employee work injury claims. Requirements depend on local regulations and the nature of your workforce.
Yes. Revenue, headcount, premises, services and contracts can change your risk profile. It is sensible to review coverage at renewal and after material business changes.
Personal accident insurance provides benefits for covered accidental injuries, which may include medical expenses, disability benefits or accidental death benefits.
No. Health insurance generally focuses on medical treatment, while personal accident insurance focuses on injuries caused by accidents and pays according to policy benefits.
Yes. Group personal accident coverage can be arranged for employees or members, subject to insurer requirements, occupations and activities.
It depends on the activity and policy wording. Some higher-risk sports or occupations may be excluded or require special acceptance by the insurer.
Liability insurance helps protect against covered third-party claims, such as injury or property damage allegedly caused by your activities, premises, products or operations.
Businesses, contractors, event organisers, landlords and professionals may need liability coverage, especially when clients, venues or contracts require proof of insurance.
The right limit depends on your industry, contract requirements, customer exposure, premises risk and worst-case claim scenarios. We can help you review practical options.
No. Policies include conditions and exclusions. Common exclusions may relate to intentional acts, contractual penalties, professional advice or specific high-risk activities unless separately covered.
Commercial vehicle insurance may cover vans, lorries, trucks, goods vehicles and company vehicles, subject to vehicle type, use and underwriting acceptance.
Yes. Commercial vehicle policies consider business usage, goods carriage, driver arrangements and operational risks that may not fit private motor coverage.
Yes. Fleet or multi-vehicle arrangements may be possible depending on the number of vehicles, claims history, driver profile and business activity.
Prepare vehicle details, ownership, usage, driver information, business activity, claims history and any current policy details.
Contact us or your insurer as soon as possible. Keep receipts, reports, photos and supporting documents. We can help you understand the required claim submission steps.
Documents vary by claim type, but common items include claim forms, receipts, police or incident reports, medical reports, photos and policy details.
Processing time depends on claim complexity, document completeness and insurer review. Submitting complete documents early helps avoid delays.
Cancellation depends on the policy terms and insurer rules. Some policies may provide partial refunds while others may be non-refundable after issuance.
We listen to your needs, compare suitable options from affiliated insurers and explain key coverage differences so you can make a clearer decision.
There is no obligation consultation for enquiries submitted through the website. We will let you know if any special service arrangement applies before proceeding.
We usually respond within 1 business day. Complex enquiries may require more information before we can provide useful advice.
Prepare the type of coverage you need, relevant dates, insured persons or assets, existing policy details if any, and any special concerns you want covered.
