The theory is covered elsewhere (the annual review article) – this is the practice: the tick-box list. Time it just before your renewal, set aside fifteen minutes, and your casco will protect your actual car every year – not last year's.
- Six blocks, one to two minutes each: value, deductible, data/extras, add-ons, documents, premium comparison.
- The best timing: 4–6 weeks before renewal – every option is still open at that point.
- If you get stuck on any point: we can also go through the renewal quarter-hour together.
The Six Blocks
- 1. Value (3 min): ☐ Checked market prices for similar cars ☐ If there's a big gap: flagged the value question – method.
- 2. Deductible (2 min): ☐ I know the percentage AND the minimum ☐ It still fits how we use the car – if not: method.
- 3. Data and extras (3 min): ☐ New extras declared ☐ Usage changes (mileage, driver, parking) declared ☐ Addresses and documents are correct – list.
- 4. Add-ons (2 min): ☐ Assistance/replacement-car/baggage scope still fits ☐ No never-used extras hanging around.
- 5. Documents (2 min): ☐ Policy, terms, extras list and claims-line number all in one folder ☐ The claim checklist is in the glovebox.
- 6. Premium comparison (3 min): ☐ I know where the market stands for the same content – or ☐ I've requested the renewal comparison.
What Should Happen with the Result?
If every box is ticked: you're done – that's the sound of good maintenance. If one or two points leave you stuck: most adjustments can be resolved with an amendment, no switch required – following the renewal routine. If the premium-comparison block turned up a meaningful gap: a like-for-like comparison can follow, and, if needed, a well-timed switch. Either way: on request, I'm happy to go through the quarter-hour together with you.
Renewal coming up? Request the renewal quarter-hour – book a free 20-minute consultation →
