Life’s big moments can bring a lot of joy, and a lot of change. Think about it… Getting married, buying a house, having a baby (or another baby), starting a job, turning your hobby into a side hustle… All of these life changes affect every nook and cranny of your world.
But while you’re adjusting to your new normal, there’s something else that needs a refresh: Your insurance policy. You’d be surprised to learn that loads of people forget to update their cover when their life changes.
The result? Gaps in cover, rejected claims, or paying for things they no longer need.
What you want to do is ‘pink-proof’ your policy, to make sure that your insurance fits your life, not the other way around.
Pink-proof? In normal life, it’s a pink-coloured product used for waterproofing and crack prevention in tiles and stonework. We think it suits what you should do to your policy… To make sure that there are no cracks leaving you financially vulnerable.
To help you ‘pink-proof’ your policy, here’s what you can do to lock your policies down.
You got married (or moved in with a partner)
The updates to check with us:
- Car and home contents insurance details, like address, car usage, who drives what, etc.
- Specify high-value wedding gifts on home contents or portable possessions insurance policies.
- Combine policies where possible for bundled savings.
The king’s advice: Sharing cover often means sharing savings, so talk to us about multi-car and multi-policy discounts that could apply.
You had a baby (congrats!)
The updates to check with us:
- Increase your home contents value (babies come with expensive gear).
- Change your car usage and daily mileage if you’re on maternity leave.
The king’s advice: New baby, new adventures, new items added to your home contents.
You moved or bought property
The updates to check with us:
- This is an obvious 1… Your new physical address.
- The new address where your car sleeps at night (garage vs. street parking).
- Any new valuables that you’ve bought need to be added to home contents insurance.
- If you’ve bought (woo hoo, you’re a homeowner), then you’ll need buildings insurance if it’s a full-title house.
The king’s advice: Get a security system installed or you already have 1 let us know, you could get a discount on your premiums.
You bought a new car (new car who dis?)
The updates to check with us:
- Get the old car taken off your policy, replace with new car details.
- Adjust the insured value and cover type (comprehensive vs. Third party)
- Add new accessories or tracking systems as specified items as needed.
The king’s advice: We offer multiple benefits with our comprehensive car insurance, like the option to add cover for items like a bicycle, hearing aids or golf clubs for just R1 a month if your car is comprehensively insured.
You started a business or changed jobs
The updates to check with us:
- Your car might be used as part of your job and qualify as ‘business use,’ which needs to be noted on your policy.
- Your work-from-home setup may need business insurance because home contents doesn’t cover stock, electronics, etc.
- Changes in daily mileage and travel routes.
The king’s advice: Some lifestyle changes reduce your risk, so let us know and your premium could go down.
You got divorced or separated (strength to you)
The updates to check with us:
- Ownership and use of vehicles and property.
- Adjust contents cover if you moved out or split assets.
The king’s advice: Chat to our caring and professional consultants about removing your ex as a driver or contact person on any policies.
The king has your back, no matter what
Insurance should move with you. Whether you’re welcoming a new baby, launching a business, or moving on from a relationship, we’ll be there for you by making sure that your cover still matches your life.
When in doubt? Chat to us. We’ll help you make sense of what needs to change, so your policy is always pink-proof and future-fit.
Click here for a commitment-free insurance quote or you can WhatsApp us on 0860 50 50 50
