Your care policy renewal is more than a date on the calendar. It’s a chance to make sure your cover still works for you. The run-up is just as important as the renewal itself.
In this article, Everywhen explain ways to stay ahead and avoid surprises.
You’ll always need to disclose your current Care Quality Commission (CQC) rating. But if it’s lower than expected, it’s not the end of the world. What matters is showing your insurer that you have an action plan to address any areas flagged for improvement.
Think of your broker as a partner, not just someone who appears when you make a claim. Regular communication throughout the year helps you stay prepared and ensures your organisation isn’t unknowingly underinsured.
A lot can happen in a year. Keep your insurer informed about things such as:
Address changes
Tell your broker before you move so they can complete building checks and avoid cover issues.
Business activity changes
If you’ve added new services, disclose them. Undisclosed activities could affect claims.
These aren’t the only changes that matter, but they’re common examples.
Renewal isn’t automatic; it’s your chance to check that your policy still meets your needs and individual requirements. If things have changed during the year, it’s your chance to review your cover and make any adjustments you think you may need.
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Consistent with our policy when giving comment and advice on a non-specific basis, we cannot assume legal responsibility for the accuracy of any particular statement. In the case of specific problems, we recommend that professional advice be sought.
