Find the exact insurance FAQ you need.

Best Care is presented as an insurance brokerage that may provide advice and intermediary services. Insurers or underwriting managers issue and underwrite policies. Best Care’s legal status, FSP details and appointments must be verified before publication.

No such claim is made. The options a brokerage can discuss depend on its appointments, authorisation and the insurer or underwriting-manager panel available at the time.

No. The initial enquiry form intentionally asks only for high-level contact and cover information. Do not send ID numbers, bank details, policy schedules, medical information or claim evidence through the initial form.

Put people and safety first, take reasonable steps to prevent further loss, preserve relevant evidence where safe, and notify the insurer or broker promptly. Your policy and the facts determine the claims process.

Only take urgent steps needed to protect people or prevent further damage, then seek instructions from the insurer or broker. Policy conditions can require notification or approval before repairs, disposal or replacements.

Ask for the written reason and the policy terms relied on, keep a dated record of communications, use the insurer’s internal complaint process and then consider the appropriate external escalation route if needed.

Comprehensive motor insurance may include accidental damage to the insured vehicle, theft or hijacking, fire and liability to third parties. The exact extent of cover, exclusions and excesses are determined by the policy schedule and wording.

Buildings cover usually concerns the physical structure and permanent fixtures. Contents cover concerns movable belongings such as furniture, appliances and clothing. Sectional-title arrangements can add further distinctions.

A policy may include sudden geyser damage and related water loss, but cover commonly contains conditions, limits and maintenance requirements. Check the wording and schedule for the particular property.

Usually not. This category generally focuses on liability to others plus fire or theft losses. Check the actual wording for the policy offered.

Not automatically. Portable cover may be needed for items regularly carried away from home. Confirm the schedule and item-specific limit.

Declared accessories or modifications may be considered, but they should be accurately disclosed and shown in the schedule if accepted.

Do not assume so. Whether a trailer is included depends on the vehicle policy and any separate schedule or endorsement.

No. Pre-existing conditions and medical exclusions need careful attention. Ask about the specific terms before travel.

Comprehensive car insurance may help with defined accidental damage to the insured vehicle, theft, fire and third-party liability, depending on the policy selected. Vehicle value, drivers, use, security, excesses and disclosure are important. Best Care is a brokerage; availability and terms must be verified before a recommendation or placement.

Third-party-only car insurance may help address certain legal liability to other people or property arising from use of the insured vehicle, but it may not protect the insured vehicle itself. Limits, driver conditions, use and policy wording are critical. Best Care is a brokerage; availability, provider appointment and terms must be verified before action.

The answer depends on the business, but many SMEs begin by reviewing property, stock, equipment, public liability, motor and interruption risks. A business that provides professional services or handles data may have further needs.

No. Property cover commonly addresses insured physical loss, while interruption cover may address selected financial effects following an insured trigger.

No. Public liability commonly concerns injury or property damage, while professional indemnity commonly addresses alleged financial loss from professional services.

It may be relevant to businesses providing advice, designs, technical, consulting or other professional services. Suitability depends on activities and contracts.

No. Insurers commonly assess controls, and cover is not a substitute for prevention, backups, response planning or staff awareness.

It can be. Business use, drivers, routes and operational exposure can change underwriting and policy conditions.

The answer depends on contract terms, carrier responsibility and the transit policy. Do not assume a courier’s liability replaces your own insurance need.

Business interruption insurance may help a business address selected financial consequences when an insured event disrupts trading. The trigger, gross-profit or revenue basis, waiting period, indemnity period and exclusions are all material. It is not automatic with property cover. Best Care is a brokerage; availability, authorisation, provider appointment, underwriting and policy terms must be verified before action.

Products liability insurance may help a business respond to certain third-party claims alleging injury or property damage caused by products it sells, supplies or distributes. The product, territory, contracts, policy wording, limits, exclusions and underwriting decision matter. Best Care is presented as a brokerage; availability and placement must be verified before any recommendation is made.

Employers’ liability insurance may address certain allegations of injury, illness or loss connected to employment, subject to the policy, statutory context, employment arrangements and exclusions. It should not be assumed to replace occupational-injury obligations or other protections. Best Care is a brokerage; any route is subject to verified authorisation, provider appointment, underwriting and policy wording.

Directors and officers insurance may help address certain claims alleging wrongful acts in the management of an organisation. It can involve directors, officers, governance decisions and defence costs, subject to policy wording, exclusions and underwriting. Best Care is presented as a brokerage only; availability, authorisation and provider appointment must be verified before action is taken.

Commercial crime insurance may help a business address certain direct financial losses arising from defined criminal acts such as theft, fraud or social engineering, where accepted by the policy. Controls, people, payment processes and exclusions matter. Best Care is a brokerage; any availability remains subject to verified authorisation, provider appointment, underwriting and policy wording.

Comprehensive motor insurance may include accidental damage to the insured vehicle, theft or hijacking, fire and liability to third parties. The exact extent of cover, exclusions and excesses are determined by the policy schedule and wording.

A policy can have conditions about regular and occasional drivers, age, licence status and use. Tell your broker about anyone who regularly uses the vehicle before relying on cover.

Usually not. This category generally focuses on liability to others plus fire or theft losses. Check the actual wording for the policy offered.

It may be considered by an owner balancing vehicle value, theft exposure and the cost of self-funding accidental damage. A comparison should include exclusions and excesses, not only premium.

Buildings cover usually concerns the physical structure and permanent fixtures. Contents cover concerns movable belongings such as furniture, appliances and clothing. Sectional-title arrangements can add further distinctions.

Work room by room and estimate what it would cost to replace each item new today. Keep photographs, receipts or other ownership records where practical, and review the total regularly.

A policy may include sudden geyser damage and related water loss, but cover commonly contains conditions, limits and maintenance requirements. Check the wording and schedule for the particular property.

Usually, rebuilding cost is the key consideration rather than the market value of the land and home. A professional rebuilding valuation may be appropriate for more complex properties.