What this is really about

A new home changes household value, liability questions and sometimes landlord requirements. Family changes put more weight on income protection.

Moving between employment and self-employment can also change accident cover, daily sickness benefits and pension planning.

A short check around these moments keeps old contracts from covering new risks poorly.

What to pay attention to

• Start with the risks that are actually relevant in your daily life. A policy is useful when it covers a real need, not simply because it has existed for years.
• Compare not only premiums, but also deductibles, exclusions, insured sums, cancellation periods and the documents needed in a claim.
• Look for overlaps. Household contents, liability, travel, legal protection and supplementary policies can sometimes cover similar situations.

Common pitfalls

How Fianza supports you

• Fianza structures existing policies and makes the key data understandable: term, coverage, premium, open questions and next steps.
• Advice starts with your situation: housing, work, family, mobility, self-employment and priorities are reviewed together.
• The result is a clear decision: keep, adjust, cancel or review later. A pile of documents becomes a readable plan.