Why Telling Hedon Insurance Everything Helps You Get the Right Cover
At Hedon Insurance, we understand that arranging insurance can sometimes feel complicated - especially if you don’t fit the “standard” mould. Whether you’re an older traveller, managing a medical condition, or have driving convictions, comparison websites often struggle to find the right policy or price for you. That’s where we come in.
What is Duty of Disclosure?
Duty of Disclosure means you have a legal obligation to tell your insurer everything relevant about your circumstances when applying for insurance. This includes any medical conditions, driving history, or other factors that might affect your risk. It’s not about penalising you - it’s about making sure you get the right cover, and that your policy won’t be invalidated if you need to claim.
The more you tell us, the better we can tailor your insurance to your needs.
Example - Medical Conditions and Travel Insurance
Imagine you’re an older traveller with a history of asthma. Even if you’re currently well and only recently had a mild chest infection, it’s essential to disclose this. Why? Because if you fall ill on holiday with a chest infection linked to your asthma, your insurer needs to know about your asthma upfront to cover you properly.
Failing to declare this could invalidate your policy and leave you facing expensive medical bills abroad.
Example - Driving Convictions and Named Drivers
You might think that driving someone else’s car on their insurance means you don’t have to mention any past driving convictions or incidents. But this isn’t true. If you’ve had any crashes or driving offences - even while driving another person’s vehicle - it’s vital to disclose this information. If you have a crash when driving some else’s car, you need to inform your insurer immediately.
Insurance companies check driving records thoroughly. Non-disclosure can lead to your policy being cancelled or claims refused, which could leave you financially exposed.
Who Should Be Especially Careful?
Older Travellers: Some insurers have age limits or specific medical questions. Being upfront helps us find policies that truly cover you.
People with Medical Conditions: Whether it’s diabetes, heart conditions, or even recent minor illnesses, full disclosure ensures you’re protected.
Drivers with Convictions: Speeding tickets, careless driving, or other offences must be declared - even if “spent” or if the incident occurred in a borrowed car.
How Hedon Insurance Helps You
If you call over the phone or pop into any one of our branches in Cottingham, Hull or Hedon, unlike comparison sites, we take the time to understand your unique situation. When you share all relevant details with us, we can:
Find insurers who specialise in your needs
Help you avoid unexpected claim refusals
Secure better premiums by accurately assessing your risk
Provide ongoing advice if your circumstances change
Honesty is BEST for Your Policy
Honesty isn’t just the best policy - it’s the only way to make sure your insurance works when you need it most. If you’re unsure about what to disclose, or if you’ve struggled to find the right cover through comparison sites, get in touch with Hedon Insurance. The more you tell us, the more we can help.
Contact Hedon Insurance today to discuss your insurance needs with a trusted local broker who puts your interests first - 01482 707800.
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