Coverage
All the coverage areas, in one place
Insurance products vary by provider and location, but the structure is often similar. Below is a practical map of common coverages and the questions worth asking. If you want help choosing what applies to you, use the request form and we will respond by email.
Quick reminder
The details that matter most are usually exclusions, conditions, limits, deductibles, and how claims are handled. When you request information, include what you want to protect and what would be a serious loss for you.
Auto insurance
Auto coverage commonly includes liability (damage you cause to others), damage to your own vehicle (often split into collision and other events), and optional extras. The best plan depends on how you drive, where you park, who drives, and how much risk you can carry.
Questions that clarify choices
- What events are covered, collision, theft, weather, vandalism, glass, and roadside incidents?
- What deductibles apply and do they change by claim type?
- Are drivers and usage patterns restricted (commute, business use, rideshare, delivery)?
- Does it cover rentals, replacement vehicles, or towing and recovery?
Health insurance
Health plans differ in benefits, provider networks, waiting periods, limits, and exclusions. Your best choice depends on expected care needs, preferred providers, and how you handle out-of-pocket costs.
Questions that clarify choices
- What is covered, routine care, specialist visits, hospital care, prescriptions, and mental health?
- Are pre-existing conditions excluded or limited, and for how long?
- How do networks work and what happens out of network?
- What are deductibles, copays, coinsurance, and annual maximums?
Life insurance
Life insurance is about replacing income, covering liabilities, and reducing financial stress for the people you care about. The right structure depends on your responsibilities, timeline, and budget.
Questions that clarify choices
- Is term coverage enough for your timeline, or do you need longer coverage?
- How do beneficiaries work and how should you update them over time?
- What medical underwriting is required and what might affect acceptance or price?
- Do you need add-ons like disability riders or critical illness coverage?
Travel insurance
Travel insurance often focuses on medical emergencies abroad, cancellations, delays, lost items, and evacuation. It matters most when local healthcare costs are high or when cancellations would be expensive.
Questions that clarify choices
- Does medical coverage include evacuation and repatriation, and what limits apply?
- Are you covered for activities you plan to do, such as sports or adventure travel?
- What are the rules for cancellations, including illness, work changes, or missed connections?
- How are claims documented, and what evidence is needed?
Home and property insurance
Property policies typically address damage to buildings, contents, and liability related to the property. The difference between a smooth claim and a painful one is often the policy wording around what is excluded, and what proof is required.
Questions that clarify choices
- Are flood, storm, and water damage covered, and under which conditions?
- How are valuables treated, do you need itemized cover?
- Does it cover temporary accommodation after a serious event?
- Are there maintenance clauses that affect claims?
Business insurance
Business coverage depends on what you do, who you serve, where you operate, and what would cause serious financial damage. Typical components include liability, professional coverage, property, business interruption, workers coverage, and cyber risk.
Questions that clarify choices
- What risks are explicitly excluded, especially professional errors and cyber incidents?
- Does it cover subcontractors, remote work, international clients, and offsite operations?
- What triggers business interruption, and how long does it pay?
- How does it handle claims made vs occurrence, and what reporting windows exist?
Need coverage not listed here?
We also handle requests for pet, gadget, liability add-ons, personal accident, income protection, rental, event cover, marine, and other policy types. Describe what you want to protect and we will reply with a structured set of next steps.
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Sane Insurance