What is an insurance review?
An insurance review is an independent assessment of your existing policies. Together we compare them with your current circumstances: does the cover fit, are premiums and benefits appropriate, and is important protection missing? You can also use the review to obtain an independent second opinion on existing policies or earlier recommendations.
On this page
Insurance changes with your life
Many policies are taken out once and then left untouched for years. Yet tariffs, terms and your circumstances keep changing. Cover that once fitted may now leave a gap or overlap with another policy. A regular, independent review helps you understand what you actually have.
What can an insurance review do for you?
My principle is simple: understand first, then insure. You receive an honest assessment rather than a standard recommendation. Together we consider which policies serve a purpose, where cover overlaps and whether premiums or terms could be improved. Any potential saving can only be assessed after the review. You gain a clearer overview and can make an informed decision.
When does an insurance review make sense?
Reviewing your insurance every two to three years is a useful routine. A review is especially valuable when your circumstances change. If one of these situations sounds familiar, we can consider together what needs adjusting:
- Moving home or buying a house – update contents cover, building cover and insured values.
- Marriage or moving in together – check shared policies and possible duplicate cover.
- A new child – reconsider protection for your family, income and personal liability.
- Starting work, changing jobs or a pay rise – align disability cover and protection with your income.
- Becoming self-employed – reassess health cover, retirement provision and business risks.
- New purchases – such as a car, e-bike or valuable electronics, and the protection already in place.
Who is it for?
For people with several policies, changing circumstances or a need for a first organised review.
What we look at together
- Insured risks and people
- Benefits, premiums and excess
- Policy terms, changes and questions
What helps for our first conversation?
- List or copies of policies
- Current premium notices
- Recent changes and priorities
Your topic is enough for a first message. We agree on a suitable way to exchange personal documents or medical details later.