Insurers may not provide cover for all eventualities. Some of the main things to be wary of are below:
Unforced Theft – If someone has not forcefully entered your home or was invited into your house and stole from you then sometimes insurers may not payout.
Wear and Tear – This is common with jewellery, for example, using a rare stone from a ring due to age and general use.
Our job as your broker is to explain these risks and the wording of your policy to ensure that you understand what is and what is not covered.