Spring check your insurance cover

Over the past year, your home and lifestyle may have changed. From rising building costs to new purchases around the house, it’s easy for your cover to fall behind without you realising. Taking a few minutes this spring to check your policy could make all the difference if the unexpected happens.

Why a spring insurance check matters

• Building costs have risen, and your sum insured may now be too low to cover a rebuild or renovation.

• New purchases like furniture, appliances or outdoor gear for that recent holiday may have bumped up the value of your contents.

• Lifestyle changes, such as working from home or adding solar panels, can affect the value of your home and contents.

• A recently empty nest can mean your contents cover is higher than you now require.

Keep track of your contents

• Create a simple inventory using an excel spreadsheet, note-taking app or home inventory program.

• Walk through each room and record major items, furniture, appliances and valuables. Keep note of model details where possible.

• Store receipts safely, or take photos / short videos as an easy backup.

Balance your cover and affordability

• Review your excess. Choosing a higher excess can reduce your annual premium.

• Check your optional covers, such as accidental damage and motor fusion, and make sure they're still needed.

• Remember, underinsuring to save money now could cost much more if you ever need to rebuild or replace your belongings.

Review your cover with handy tools

• Use our online home and contents calculators to help guide you to an appropriate sum insured. A quick check now can help prevent being underinsured later.