Use the Insurance Development and Regulatory Authority (IDRA) as a starting point for regulatory and policyholder resources. Verify the insurer and the exact product before committing.
Questions to ask
- Which events are covered and excluded?
- What are the limits, waiting periods, excesses and renewal terms?
- What premium and other costs are payable, and when?
- What documents and time limits apply to a claim?
- How can you complain if a dispute remains unresolved?
Ask for the policy wording and schedule in a form you can keep. Check that the written terms match any explanation you were given. IDRA also provides an e-service portal with policyholder and complaint resources.
This is a comparison checklist, not advice that a particular policy suits you or a guarantee that a claim will be paid.