What we look for
Gaps
Risks you assume are covered but are not — the exclusions nobody read out to you.
Overlaps
Two policies quietly paying for the same thing, and you paying for both.
Under-insurance
Sums insured that have not moved while rebuild and replacement costs have.
Fair value
Whether the premium matches what the market would charge for the same cover.
This is rarely offered by brokers in this market, because it takes real work and it sometimes ends with us telling you to keep the cover you already have. We think that is the point.
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Attach what you have. If you cannot find the documents, just tell us what you would like looked at and we will take it from there.