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Tips:
Don't intentionally, or even unintentionally, "omit" any
details on your insurance application. For instance, if you tell your
life insurer that you're a non-smoker, even smoking a few cigarettes a
month could result in cancellation of your policy or, worse, denial of a
claim. Likewise for automobile or property insurance. Insurers have
access to several databases that they can use to check up on your
driving and claims history.
Be sure to take advantage of any discounts to which you
may be entitled on your car insurance, such as: multi-car (more than one
car insured with the same company), mature driver , low mileage, and
installation of theft-prevention devices. Depending on the insurer, one
or more of these could lower your insurance premium by 5 to 15 per cent.
Don't sweat the small stuff. With home and automobile insurance don't
make too many small claims, because each one goes on your record,
regardless of the size. Too many claims, even if they weren't all your
fault, could result in higher premiums or worse, non-renewal of your
coverage.
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