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The insurance industry works by predicting the odds of an accident. When the risk of a claim is high, the premium rates rise. So, when it comes to insuring the family vehicles, it’s fundamental for the insurer to know the who, when and where: who will be driving, at what times of the day, and where most of the driving will be done? If there’s to be any significant change, you are required to tell your insurer. If you fail to do so and a claim is later made, the insurer can cancel the policy and refuse to pay out. So as soon as you separate, you should notify the insurer of change of address and whether this will affect who drives the vehicles.

Most states have a requirement you notify insurers within 30 days of a divorce. The reason is simple. Most insurers offer between 5 and 15% discounts to married couples. The risk profiles show married couples are more responsible drivers, particularly when they are driving their children around. The majority of couples also bundle their cover. They may have multiple vehicles on the same policy or have both a homeowners and an auto policy with the same company. On average, these bundles will be saving you 10%. So the moment you have two households and park the vehicles in different ZIP code areas, all your rates will change. Unfortunately, failure to notify your insurer almost always means your auto insurance is going to be cancelled the moment the company finds out. Trying to recover premiums paid is a nightmare. Always keep your insurer informed.

The first can sometimes be termed a fair market value. The formula for calculating it will be the price paid less the depreciation. So, for example, your business may use a truck for delivery purposes. For tax purposes, you will be allowed to write down a percentage of the truck’s value every year. So, if the vehicle is seriously damaged, the actual cash value would be the book value measured against the average prices in the secondhand market for vehicles of a similar age. This reflects a basic truth that the standard policy will not buy new for old. As a general rule, you cannot make a profit out of the business insurance policy. If you got a new vehicle for one that was three-years old, you would be benefitting unfairly, particularly if the manufacturer’s price had increased over the three years.

The second formula simply pays out the cost of replacing the property. This is potentially a better deal. As an example, take the loss of stock whether as raw materials or for sale. Suppose you have a store of clay for making pottery. You want to be in no worse position so want the insurer to replace the volume of clay lost even though the price may have risen in the local market. It would be the same for any manufactured stock held for sale. Whether you manufactured it or bought it in, you need to replace it. Often this type of stock is circulating and will not be subject to depreciation so paying the extra premium rate for replacement may be better value.

Finally, has the business suffered other losses because the property was lost? Consequential losses are always a difficult area and this is something you need to discuss with your business insurance advisor. Say, for example, you are in a supply chain and subject to penalties if the parts you manufacture are not delivered on time. The next batch is destroyed in a fire and the penalty is applied. Now your loss is the cost of replacement plus the amount of the penalty. Business insurances is all about balancing the cost of the premium against the security you buy. Make sure you understand how the insurers value loss before you sign up for your next policy.

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