{"id":63,"date":"2015-08-03T13:44:18","date_gmt":"2015-08-03T13:44:18","guid":{"rendered":"https:\/\/www.indwe.co.za\/indwe-blog\/2015\/08\/03\/how-change-impacts-your-insurance\/"},"modified":"2015-08-03T13:44:18","modified_gmt":"2015-08-03T13:44:18","slug":"how-change-impacts-your-insurance","status":"publish","type":"post","link":"https:\/\/www.indwe.co.za\/indwe-blog\/how-change-impacts-your-insurance\/","title":{"rendered":"How Change Impacts Your Insurance"},"content":{"rendered":"<figure><img decoding=\"async\" src=\"http:\/\/68.media.tumblr.com\/7294453b3a32972453f7fe6952a6367e\/tumblr_inline_nsie070RrS1r965u9_540.jpg\" alt=\"image\" \/><\/figure>\n<p>When it comes to insurance, assumptions and complacency can lead you into deep waters. Take a moment to think about your current home insurance policy. Are you assuming that it will meet your needs regardless of the fact that time has moved on and your circumstances have changed?<br \/>\n<!-- more --><br \/>\nYou may, for instance, have started working from home \u2013 which means that your policy will need some adjustment in order to give you the cover you require.  You may have added a cottage or bought a fancy new TV \u2013 and that too will impact your cover.  <\/p>\n<p>Doctors, sales consultant, technicians, architects and other professionals who give advice or treatment to the public also need to ensure that any changes in their business are reflected in their Professional Indemnity cover. This provides cover for when financial loss arises out of errors and omissions. For example, if a doctor provides incorrect treatment to a patient which then results in the disability or death of the patient. <\/p>\n<p>Whatever circumstances change, it is of paramount importance to maintain a transparent relationship with your insurer, and discuss any of these changes with them. Joe Szemerei, Executive Director of Indwe Risk Services says, \u201cSee your insurer as an ally, someone who is in your corner, someone whose focus is on ensuring that you are able to recoup any losses and rebuild your life when you\u2019ve been through a tough experience.\u201d<\/p>\n<p>However, Szemerei cautions that it\u2019s a two-way street and your insurer can only support you if you fully disclose what it is that you wish to insure and the relevant value of those items. Make a list of additions and changes that have taken place since you signed your original policy. Then contact your insurance provider for advice. A simple change will be inexpensive, a more complex change might mean a bit extra on your premium \u2013 but it\u2019s worth it.<\/p>\n<p>Szemerei adds that having contractors on your property comes with its own set of insurance requirements, \u201cThe first step when it comes to home renovations is to obtain proof that hired contractors and sub-contractors are covered for injury either by their own policy or yours. The last thing you want is to land up being sued.\u201d <\/p>\n<p><strong>Szemerei also recommends the following:<\/strong><\/p>\n<p>\u2022\tInform your insurer if you are moving home, selling home or putting your belongings in storage<\/p>\n<p>\u2022\tCheck that your policy covers the transportation of your household belongings from house A to house B <\/p>\n<p>\u2022\tCheck that you are covered for faulty workmanship, whether DIY or professional<\/p>\n<p>In order to reap maximum value from your insurance, you need to be able to rely on a professional advisor who is associated with a reputable insurer. Szemerei is clear on the benefits, \u201cIn this business, we often see cases of people whose lives are turned upside down simply because they failed to seek advice. By making a quick call, you can avoid a world of pain.\u201d <\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to insurance, assumptions and complacency can lead you into deep waters. Take a moment to think about your current home insurance policy. Are you assuming that it will meet your needs regardless of the fact that time has moved on and your circumstances have changed? You may, for instance, have started working [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-63","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Change Impacts Your Insurance -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indwe.co.za\/indwe-blog\/how-change-impacts-your-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Change Impacts Your Insurance -\" \/>\n<meta property=\"og:description\" content=\"When it comes to insurance, assumptions and complacency can lead you into deep waters. Take a moment to think about your current home insurance policy. Are you assuming that it will meet your needs regardless of the fact that time has moved on and your circumstances have changed? You may, for instance, have started working [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.indwe.co.za\/indwe-blog\/how-change-impacts-your-insurance\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IndweRisk\" \/>\n<meta property=\"article:published_time\" content=\"2015-08-03T13:44:18+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/68.media.tumblr.com\/7294453b3a32972453f7fe6952a6367e\/tumblr_inline_nsie070RrS1r965u9_540.jpg\" \/>\n<meta name=\"author\" content=\"Indwe Risk Services\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IndweRisk\" \/>\n<meta name=\"twitter:site\" content=\"@IndweRisk\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Indwe Risk Services\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" 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