Clear, practical guides from the Insurance Valuator advisory desk.
Every monsoon, workshops fill with cars that survived the water and were finished by what the owner did next. Here is where the cover ends.
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Insurance Valuator Research · 8 min read
Add-ons are where motor insurance stops being generic. Here is what each one actually does, and the exclusions that make some of them necessary.
Insurance Valuator Research · 9 min read
Insured Declared Value looks like a premium lever. It is really the ceiling on your payout if the car is stolen or written off.
Insurance Valuator Research · 7 min read
NCB can cut half your own-damage premium, survives the sale of your vehicle, and is lost more often through paperwork than through claims.
Insurance Valuator Research · 6 min read
Most policies are bought for the structure and claimed on for everything inside it. Here is how the layers fit together.
Insurance Valuator Research · 8 min read
Fire, theft and water claims are won or lost on evidence gathered in the first 48 hours. Here is the order to do things in.
Insurance Valuator Research · 7 min read
Standard contents cover treats a laptop and a gold set very differently. Understanding per-item limits before a burglary is the whole game.
Insurance Valuator Research · 7 min read
Lift accidents and breakdowns sit in a gap between the society, the maintenance contractor and the individual resident. Two distinct covers close it.
Insurance Valuator Research · 7 min read
Overseas medical cover is the reason to buy. Baggage and documents are the reason you will probably claim. Both need checking before you fly.
Insurance Valuator Research · 8 min read
They are triggered by different events, pay in different ways, and only one of them helps when your flight simply sits on the tarmac.
Insurance Valuator Research · 7 min read
Age and medical history change travel insurance from a formality into the most important booking you make. What cover really looks like for older travellers.
Insurance Valuator Research · 8 min read
Some destinations mandate a minimum medical limit and specific wording. Getting it wrong is a rejected application, not just a weak policy.
Insurance Valuator Research · 6 min read
A practical method using income replacement, liabilities, goals and existing cover - rather than a multiple somebody quoted you.
Insurance Valuator Research · 8 min read
Underwriting decides your premium, your exclusions, and whether the claim gets paid twenty years from now. Here is how it actually works.
Insurance Valuator Research · 7 min read
Critical illness, accidental death, disability and waiver of premium do different jobs. Some are better bought as standalone policies.
Insurance Valuator Research · 7 min read
Almost every repudiated claim traces back to something that happened at the application stage, years before anyone needed the money.
Insurance Valuator Research · 8 min read
Waiting periods decide when a policy actually starts helping. Four of them matter, and one has recently become much shorter.
Insurance Valuator Research · 7 min read
Room rent limits, co-pay, disease sub-limits and network quality change the value of a policy far more than the annual price does.
Insurance Valuator Research · 9 min read
A floater is cheaper per person and shares one pool. That works well for young families and badly for households with an elderly parent.
Insurance Valuator Research · 7 min read
A deductible-based layer above your base policy is the cheapest route to a high total cover. The difference between the two products is not a technicality.
Insurance Valuator Research · 7 min read
Property, liability, people and interruption are four different exposures. Buying them as four unrelated policies is how gaps appear.
Insurance Valuator Research · 8 min read
Average, excess, warranties, condition precedent and subrogation. Five pieces of wording that determine what you actually receive.
Insurance Valuator Research · 8 min read
Sum insured is a valuation exercise, not a budgeting one. Getting it wrong penalises you on every claim, not just the total losses.
Insurance Valuator Research · 7 min read
A shop, a clinic and a workshop face different risks in a different order. A practical starting sequence for owner-run businesses.
Insurance Valuator Research · 8 min read
A programme is a set of decisions about retained and transferred risk. Buying policies one at a time produces overlaps in some places and gaps in others.
Insurance Valuator Research · 9 min read
The sum insured is the headline. Room rent, parental cover, maternity and the non-payables list are what employees experience.
Insurance Valuator Research · 8 min read
D&O protects individuals for decisions made in their corporate role. Data protection and governance obligations have changed the exposure.
Insurance Valuator Research · 8 min read
India requires certain cyber incidents to be reported within six hours. Cyber cover funds the response, but only if the controls were in place first.
Insurance Valuator Research · 8 min read
Transit risk and storage risk overlap for any business that moves and holds goods. Two policies solve two different halves of the problem.
Insurance Valuator Research · 8 min read
Three levels of cover, one general average obligation most shippers have never heard of, and the packing decisions that quietly void claims.
Insurance Valuator Research · 8 min read
Marine claims are lost on time bars and missing paperwork far more often than on coverage. The sequence in the first 72 hours matters.
Insurance Valuator Research · 8 min read
Insuring for half the value does not mean full cover on small claims. It means proportionate reduction on all of them.
Insurance Valuator Research · 7 min read
Processing fees, tenure, prepayment rules, reset frequency and insurance requirements change the real cost of borrowing more than the rate does.
Insurance Valuator Research · 8 min read
A Loan Against Property is the cheapest large loan most people can access, and the only one where missing payments can cost you the house.
Insurance Valuator Research · 8 min read
Most rejections are not credit decisions. They are documentation failures that could have been fixed before applying.
Insurance Valuator Research · 7 min read
A large secured liability needs a cover behind it. It usually does not need the one bundled into the disbursement.
Insurance Valuator Research · 7 min read
A SIP is a contribution habit, not a strategy. What turns it into one is attaching it to a goal with a date attached.
Insurance Valuator Research · 7 min read
The choice is not about which returns more. It is about which one can be relied on to be there on the date you need it.
Insurance Valuator Research · 7 min read
Reviewing is not the same as reacting. Four things are worth examining annually, and past returns are not among the first of them.
Insurance Valuator Research · 7 min read
Protection and growth are both necessary. Combining them into one product tends to deliver mediocre versions of each.
Insurance Valuator Research · 8 min read