Five questions to ask before renewing your policy

What has changed?

A renovation, a new driver, another employee, a different way of using your property. Even when the policy looks familiar, the details behind it may have moved on. Write down what’s changed since the last renewal.

Would the limits still do the job?

Think about what it would cost to replace property, carry on after an interruption, or meet a contractual requirement today. An old figure can stay on a policy long after it stops feeling realistic.

What would I pay out of pocket?

Look beyond the premium. Check deductibles, copays where relevant, and any special limits. A cheaper quote can ask you to carry more of the cost when you need to use the policy.

Do I still need the same options?

You may have added a benefit for a situation that has changed, or taken on a responsibility that deserves a new conversation. Ask what each option does before deciding to keep it or remove it.

Is there a better way to arrange my coverage?

Some insurers offer multi-policy discounts, but price is only part of the picture. Compare the terms, renewal dates, and total cost before bringing policies together.

Give yourself time before renewal. Send Ironhill your current documents and the questions on your mind. We’ll help you review the choices without making the renewal notice your only source of advice.