Five questions to ask before renewing your policy

Think about what’s new

Life doesn’t stand still. You move homes, start traveling more, or take on a side project that suddenly matters. Insurance that once fit perfectly can quietly fall out of step. Renewal is your built-in reminder to check if your cover still matches the way you actually live.

A small update now saves a big headache later.

Many people treat renewals like an automatic bill—click, pay, move on. But it’s one of the best chances to make smart, low-effort improvements. A few minutes of review can uncover better pricing, remove extras you never use, or highlight coverage gaps that only appear when life shifts.

The five questions

Before you renew, take five minutes to ask yourself:

1. Has anything changed since last year?
   New address, new car, new routine—any change might affect your coverage.

2. Am I paying for extras I never use?
   Optional add-ons can add up. Drop what no longer fits your life.

3. Are my limits still enough?
   Rising costs mean yesterday’s coverage might not stretch as far today.

4. How was the last claim experience?
   If it felt slow or unclear, that’s feedback worth acting on.

5. Can I bundle policies to save money?
   Combining car, home, or travel cover often brings better rates and simpler billing.

These aren’t trick questions—they’re quick prompts to help you align what you’re paying for with what you actually need.

Make updates early

Most insurers process changes faster before renewal than after. Once a policy renews, even small updates can take longer or trigger fees. A quick check a few weeks ahead gives you room to adjust calmly.

If something looks off, call or email your insurer. Mention specific details instead of broad concerns. For example:

“Hi, I noticed my travel coverage still lists my old address. Can you confirm the update before renewal?”

That small moment of attention keeps your protection accurate and predictable—and helps avoid the kind of surprises that only show up when you really need your policy to work.

Bottom line

Renewal isn’t just admin. It’s maintenance for peace of mind. A short review once a year keeps your insurance aligned with your real life, so when change happens—and it always does—you’re already covered for it.