Spring is a great time to freshen up not just your home and garden, but also your insurance. As the season changes, so do risks, priorities, and opportunities to make sure you’re properly protected. 

Here are five smart insurance tips for spring, and why building a strong relationship with your General Insurance Broker or Adviser makes all the difference.

1. Review Your Home and Contents Cover
   Spring often comes with unpredictable weather—storms, hail, and flooding can strike without warning. Make sure your sum insured matches current rebuilding and replacement costs, not just estimates from years ago.

2. Check Your Vehicle Insurance
   Warmer weather means more road trips, caravanning, and boating. If you’ve added accessories (roof racks, trailers, or camping gear), check they’re included in your policy. Also, review whether you’re covered for roadside assistance or temporary replacement vehicles.

3. Update Your Business Insurance
   If you own or run a business, spring is a great time to review your public liability, professional indemnity, and business interruption policies. Changes in staff, stock levels, or equipment over the past year can affect your cover.

4. Consider Seasonal Risks
   Spring brings new activities—outdoor entertaining, hiring contractors for home maintenance, or even starting renovations. Each of these carries liability risks that may not be covered by default. Ask your adviser if your policy extends to contractors or if extra cover is needed.

5. Take Advantage of Discounts and Bundles
   Spring is also tax and budget season for many households. Bundling your car, home, landlord, and boat insurance can provide significant savings. Your adviser can negotiate better premiums and policy features on your behalf.

Why Your Relationship With a General Insurance Broker or Adviser Matters

Unlike buying online or “set-and-forget” policies, a trusted General Insurance Broker or Adviser:

• Understands your personal and business needs – tailoring cover that fits, rather than a one-size-fits-all policy.
• Shops the market for you – comparing insurers, terms, and prices to secure the best fit.
• Provides claims support – standing by you when it matters most, ensuring claims are handled quickly and fairly.
• Keeps your policies up to date – reviewing them regularly so your cover grows with your lifestyle, assets, and business.
• Gives peace of mind – so you can enjoy the season without worrying about gaps in your protection.

Takeaway: A quick spring insurance review with your broker or adviser can save you money, strengthen your cover, and give you confidence for the year ahead.

If this article has inspired you to think about your unique situation and, more importantly, what you and your family are going through right now, please get in touch with your advice professional.

This information does not consider any person’s objectives, financial situation, or needs. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation, or needs.

(Feedsy Exclusive)