Most people only read their policy from cover to cover when they need to make a claim. Unfortunately, by this time it's often too late. Make sure you know up front what to expect from your policy.
You've done your homework and you're ready to take out the policy of your choice. Hold onto your pen a moment longer. How you applied for your policy could make all the difference if you ever need to make a claim.
When something bad happens, you naturally want to race out and claim on your insurance as soon as possible. By satisfying your insurer's requirements, you can maximise the success of your claim.
If an insurer rejects your claim, it's not necessarily the end of the story. You can go to court or you can take your case to a complaints resolution scheme.