The decision is made, the offer chosen – before you sign, there's one last round: ten minutes, twelve boxes. This list is the legal-protection-specific final check; the Fine-print Checklist handles the general contract review. Together, the two give you the full safety net.
- The point of this final round isn't to redesign anything – it's to make sure the paperwork reflects what you actually agreed.
- You can run through the 12 points in five minutes if you keep the offer comparison table next to you.
- Any answer you can't accept is a question for your intermediary – before signing, not after.
What the cover contains (1–5)
□ 1. Module list: is every module you agreed on there – and nothing unnecessary included? · □ 2. Limits: do the per-case and annual amount limits match the offer comparison table? · □ 3. Deductible: is its amount and form what you agreed on? · □ 4. Waiting periods: do you know them module by module – and have you put them in your calendar? · □ 5. Territorial scope: does it cover where you actually go (abroad included)?
The people and the timing (6–9)
□ 6. Insured persons: is every person you want protected (family member, driver) recorded by name or by category? · □ 7. Start of cover: is the date what you expected – if you're switching, does it join up with the old policy without a gap? · □ 8. Crediting prior cover: if you're switching and agreed on this – is it in writing? · □ 9. Declarations: did you answer the questions about your existing situation truthfully and completely?
How it works day to day (10–12)
□ 10. Reporting route: do you know where and how to report a legal protection claim – have you saved the contact details? · □ 11. Choice of lawyer: do you know the scope and limits of your free choice – if you have a lawyer you trust, does the policy allow you to use them? · □ 12. Premium and payment schedule: do the amount, frequency and method match what you agreed on?
The thirteenth point
It can't be ticked off, but it's the most important point of all: understand what you bought. If uncertainty remains at any of the 12 points, that's not something to be embarrassed about – it's a signal: ask the question, and don't sign until you get an answer. The sign-up article picks up from here with what to do after signing – checking the policy document, marking your calendar, briefing your family; the annual review checklist covers ongoing maintenance. That's how the full life cycle comes together: a well-thought-out sign-up, a well-maintained policy, calm years ahead.
Good to know: the business version of this list
For a business policy, the same 12 points apply – with four more boxes added on. □ C1. Match with your activity: does the business activity recorded in the contract describe what the company actually does – the cover is built on this. □ C2. Who's authorised: who can act on the company's behalf towards the insurer, and who can use the advice line – which managers, which staff, in what scope? □ C3. Size data: headcount, revenue bracket, number of premises – these are the basis for both pricing and cover, and changes need to be reported. □ C4. The person in charge internally: is there a designated person for insurance matters – someone who handles reporting, tracks deadlines, manages the policy anniversary? This last point isn't a contractual question but an operational one: cover is only worth as much as the organisation is able to use. In a small business, that person is typically the owner-manager; in a larger company, it's worth naming them, with a deputy. That's what turns a business policy from a piece of paper into a working system.
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