Spring cleaning: when you find stuff you completely forgot you had

The habit of spring cleaning is an important one that, at least once a year, gives you a chance to go through the items in your house - like your wardrobe, electronics and other personal items - to see what needs to be tossed, fixed, updated or stored. This way, you can ensure that you aren’t hoarding things, paying for things you aren’t using – or just allowing space in your home (and cupboards) for newer, better things.

With that said, it’s just as important to review your policies at least once a year. So why not make a policy review part of your spring cleaning ritual? Instead of just dusting around the corners of your insurance policy, take the time to really shake them out and go in for the deep clean.

1. Begin by getting hold of your insurance policy schedule (with Miway, this will be either via the App, online, or by giving us a call on 0860 64 64 64).

2. Then ask yourself the following key questions:

• Are all your added extras covered? If you’ve added a tow bar to your car, or gotten your windows tinted, remember to update this on your policy. This may either save you cash (you would otherwise have to pay for the replacement of these extras out of your own pocket) or save you the hassle of an unpaid claim at claims stage.
• Is your home covered for its full rebuilding cost? If you have made major improvements to your home, such as adding a new room or redoing your kitchen, you need to increase the amount your house is insured for too. Your house should be insured at its replacement value – what it will cost you, at the time of a claim, to replace – or repair the building (your home) with a similar, new structure.
• Are your belongings adequately insured? Over the course of the past year, the contents of your home have probably changed. You may have bought a brand new camera, upgraded your TV, or sold your set of waterless cookware - all of which means you will have needed to adjust the contents of your home contents insurance cover. Download our easy-to-use home contents inventory

3. If you do find that you need to make a couple of changes, let your insurer know! Remember that with Miway, you can either do it yourself online – or give us a call!

In a nutshell, spring clean your insurance - update what you need and eliminate what you don’t. We know it’s a bit of a schlep, but it’s worth it – you DON’T want to find yourself underinsured.

PS. In case you haven’t already heard, we give you up to 25% off your home contents premium if you insure both your car and your home contents under one policy. To find out more, either give us a call, or click here to read more.