Support every step of the way
At Tradewinds, we believe informed clients make confident decisions. Our Helpful Tips section is designed to provide clear, practical guidance on protecting what matters most — from understanding policy essentials to preparing for life’s unexpected events.
Claim Tips
- Never accept liability
- All incidents must be reported immediately.
- Always secure all damaged property
- Take all reasonable steps to mitigate loss
Property Tips
- Buildings and contents should be insured at the present replacement cost.
- Building values should be inclusive of professional fees, debris removal and all taxes.
- VAT will be deducted from a claim settlement once your company is VAT registered.
- Policy penalties are applied when you under insure.
- Valuables are fully covered only when supported by valuations.
- Jewellery should be covered on an All Risks policy.
- A list of contents and electronic items should be provided.
- Items which you require cover away from the home should be noted.
- You must provide a safe work place, training and supervision for your employees.
- Do not relocate or renovate without giving prior notification.
Motor Tips
- A list of all drivers should be noted on the policy.
- All drivers’ licenses must be current.
- All non-nationals must have visitor’s permits.
- Drivers under 25 years and driving less than 3 yrs or undeclared carry very high deductibles.