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Five mistakes which can stop your insurer from paying you

Posted by Royal Sundaram on 07 Sep 2010

Want to file a claim for misfuelling your car or a home theft or a fire accident at home? You might want to know few interesting things that gives your insurer an edge to deny your claim.

Here are few simple mistakes that may prove to be blunders when it comes to your insurance claim(s):

Hiding home keys in familiar places

Thinking of safely hiding your home keys under doormats or beneath a plant-pot? Giving easy access to your home is regarded as an ‘unforced’ theft and you may be turned away from honoring your claim.

Neglecting smoke alarm maintenance at home

Having a smoke alarm at home can not only save you from fire accidents but also reduces your home insurance premium. You must maintain your smoke alarm and make sure that it is in proper working condition lest your insurer should reject your fire accident claim.

Forgot to remove the key from your car

Reporting a stolen car because of leaving keys in the car? Your reasons may be plenty, but it is a good enough reason for your insurer not to pay for your loss.

Make sure you provide your insurer with all details

It is always advisable to let your insurer know all the details regarding your vehicle or home or your valuable personal property when insuring. Whether if you have used fire proof brick or possess a rare expensive ruby, your insurer must be made aware of all such variations.

Letting your followers, fans and friends know what you are doing

Posting your vacation plans and/or other personal information on social networking sites can put you at a risk of giving access to thieves and information stealers. Any loss resulting from such information broadcast will not be reimbursed by your insurance company.

These are a few of small but frustrating and expensive mistakes that one can avoid with a little care and caution.


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