Insurance premiums can change from year to year, based on a range of factors. These include, for example:
the increasing frequency and severity of weather events
fluctuating repair costs
improved data, and
the number of claims made in a year.
You may also have received discounts or free coverage last year that no longer apply this year.
Being aware of your options and updating your policy to suit your needs and budget, can help you take control of your premium. At your next renewal, log in and check that your details are up to date. Making updates to your excess, amount covered, optional covers and other details can impact your premium.

Once primium is paided in full, contact your insurer or broker who handles your policy, they are the ones who can provide you with this certificate.

It won't happen without us notifying you. We send renewal notices at least 14 days before your current policy expires, showing how much you need to pay and when the payment is due.

We are entitled to investigate your claim, to make sure your claim is genuine and falls within the scope of the policy. You will be asked to prove that you have suffered loss covered by your policy. This includes establishing that the loss occurred in circumstances consistent with the other known and confirmed evidence, and that your version of events is credible. We base this on your responsibilities to provide relevant information to assess your claim under General Insurance Code of Practice.

A duty to take reasonable care not to make a misrepresentation applies to Consumer Insurance Contracts. To meet this duty, it is important that you answer questions truthfully and accurately.

An excess is the amount you pay towards the cost of your claim for each incident covered by your policy. A standard excess applies to all claims unless stated otherwise in the PDS.

No Claim Bonus (NCB) is a discount off your comprehensive premium rewarded for your good claims history. On each renewal, your discount will increase providing you haven’t had any claims on your policy that affect your NCB when we calculate your renewal premium. If you are eligible, your NCB will keep increasing until you reach the maximum discount level. Your NCB is shown on your certificate of insurance.