Understanding underwriting

Your insurance is flexible and is meant to change with your circumstances so you’re not paying for cover you don’t need. Our underwriters pay attention to factors such as an improvement in your health, or career changes, or even if you stop smoking. These can all impact your premium. Watch the introduction video below to learn more about what underwriters look for. 

Get cover that’s tailored to you

Underwriting is the process we use to assess your personal risks before we offer you insurance cover. We do this so you know exactly what you’re covered for, and what you’re not covered for, right from the start. 

You’ll find related articles further down the page to help create more clarity.