Buying Care Home Insurance is easy - you don't even have to search too hard, most of the time there are Insurance Firms contacting you offering their services. Some even guess what cover you might need and send you a quote (and I am not sure if that's clever or very silly).

To get a quote you simply tell the Insurance Sales staff member the number of beds, Buildings and Contents cover you need and apart from a few other details that's it you've got your quote and its cheaper - job done!

Or is it?

Are you sure the sums insured are correct? And the Business Interruption section is it enough cover and over a long enough period?

What about the Liability sections of cover? Did you realise that different Insurers can write Liability cover in different ways?

Insurance is easy to buy - but it's also easy to get it wrong without even realising.

Then of course there is the fact that the Insurance documents arrive in the post and ther... Read more