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Insurance Coverage Review

Every home, contents, car, travel, pet and gadget policy on one list, checked for gaps and double cover, valued correctly and renewed on purpose rather than rolled over at a loyalty price.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Then open the Marketplace in the app, search for Insurance Coverage Review, and click Install. It goes into your own files, and works offline from then on.

Before you start: this plan is general information to help you organise your own money decisions. It is not financial, investment, tax or legal advice. Check decisions that matter with a qualified, licensed adviser in your country, and remember that investing and trading can lose money.

What it installs.

1

Pillar

1

Area

50

Projects

209

Starter tasks

💷 Personal Finance

Insurance Coverage Review

Reviewing home, contents, car, travel and gadget insurance for the right cover at the right price, avoiding overlaps and gaps.

  1. List of every insurance policy in the household
  2. Policy schedules and wordings in one folder
  3. Renewal dates on one calendar
  4. Gap and overlap check across all policies
  5. Buildings rebuild cost worked out properly
  6. Contents value counted room by room
  7. Statement of fact accuracy check
  8. Insurer contact cards and claims lines
  9. Cover already included with bank accounts and cards
  10. Six-week renewal window routine
  11. Premiums taken matched to policy schedules
  12. Change of circumstances notifications
  13. Yearly contents inventory refresh
  14. Annual premium log
  15. Claims history and no-claims proof file
  16. Home upkeep that keeps cover valid
  17. Lock, alarm and security conditions met
  18. Whole portfolio review each year
  19. Reading a policy wording in thirty minutes
  20. Underinsurance, averaging and new for old
  21. How no-claims discounts really work
  22. Comparison sites without the traps
  23. What moves a premium up or down
  24. Making a claim that gets paid
  25. Complaints and the ombudsman route
  26. Excess level the household can absorb
  27. Paying annually or monthly
  28. Accidental damage cover decision
  29. Legal expenses and home emergency add-ons
  30. Car cover level and named drivers set right
  31. Telematics policy decision
  32. Single-trip or annual multi-trip travel cover
  33. Gadget cover or self-insuring devices
  34. Pet insurance type and limits chosen
  35. Valuables and specified items schedule
  36. Moving house insurance handover
  37. Trip-ready travel insurance check
  38. Insuring a newly bought car on the day
  39. Telling the insurer before building work
  40. First 72 hours after a flood, fire or break-in
  41. Leaving the home empty for weeks
  42. Renter's contents and tenant liability cover
  43. Shared house contents cover for housemates
  44. Leasehold flat and the block buildings policy
  45. Young driver joining the household's cars
  46. Working from home and home office cover
  47. Flood-risk or non-standard home cover
  48. Landlord or lodger cover when letting space
  49. Checking your claims history record
  50. Using an independent insurance broker

Where it starts.

Each project arrives with its purpose, milestones and first tasks written out. Here is how the first three read.

List of every insurance policy in the household

Most households hold between six and twelve general insurance policies, and at least one of them usually renews silently from a card nobody checks. Writing every policy on one list, with insurer, what it covers, premium, excess and renewal date, is the starting point for every other decision in this area.

First tasks

  • Search the last year of bank and card statements for the word insurance
  • List each policy with insurer, cover, premium, excess and renewal date
  • Ask your employer and bank which insurance comes with your job or account
  • Add up the total yearly cost of all policies

Policy schedules and wordings in one folder

When a pipe bursts or a suitcase vanishes, the first question is what the policy actually says, and the answer is usually in a PDF buried in an old email. Saving the current schedule, policy wording and certificate for each policy in one named folder, paper or digital, means a claim can start within minutes.

First tasks

  • Create a folder named Insurance with one sub-folder per policy
  • Download the schedule and full wording from each insurer's online account
  • Move expired schedules into an archive sub-folder
  • Show one other adult where the folder is kept

Renewal dates on one calendar

Insurers are required in many countries to show last year's premium on the renewal notice, but that notice arrives three to four weeks out, which is too late to shop calmly. Putting every renewal date in a calendar with a reminder six weeks ahead turns renewal from a surprise into a planned errand.

First tasks

  • Enter each renewal date from your policy list into your calendar
  • Set a reminder six weeks before each renewal
  • Mark the policies set to renew automatically from a card or direct debit
  • Note which months have more than two renewals

Make it yours.

Install Insurance Coverage Review, then tell Aurum the date you're aiming for. It checks whether the plan fits the weeks you actually have.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Blueprints are general information to help you organise your own work. They are not medical, financial, legal or other professional advice. See the Terms.