A family policy review is less about chasing paperwork and more about noticing life changes before they become coverage gaps. Set aside a quiet half-hour once a year, plus another review after a major move, purchase or change in household income.

Family reviewing household documents together
Small changes can alter what needs protecting.

Review the household picture

Consider new drivers, children leaving or returning home, pets, working arrangements and caregiving responsibilities. For life and income cover, debts and dependants may have changed even when the policy has not.

Walk room to room

Update contents values after furniture, electronics, jewellery, tools or sporting equipment purchases. Check whether portable use, business use or single-item limits apply to anything that has become more valuable.

ChangeReview point
New driverDrivers, licence details and excesses.
RenovationBuilding sum insured and works conditions.
New babyLife cover and beneficiary arrangements.
  • Confirm names, addresses and regular drivers.
  • Update building and contents estimates.
  • Check excesses and emergency savings.
  • Read new exclusions or changed wording.
  • Review beneficiaries and contact details.

Keep an accessible record

Save schedules, PDS versions, receipts and photos in a secure digital location. Make a note of questions to resolve before renewal rather than relying on a rushed call at the last minute.