January is a natural time to get organised. Budgets are under review, paperwork is being sorted, and many people are looking for ways to rebalance monthly spending. One area that often benefits from a quick check at this time of year is general insurance. Particularly, home, contents and car cover.
These policies are usually set to auto-renew, which makes them easy to overlook. Over time, this can mean paying more than necessary or holding cover that no longer reflects your circumstances.
Home and contents: has anything changed?
If you’ve renovated, upgraded furniture, bought jewellery or invested in new technology, your contents sum insured may need updating. Or you might find you’re paying for cover levels or add-ons you don’t need. A short review can offer a good moment to check excess levels and confirm that high-value items are correctly specified.
Car insurance: not just about price
With car insurance, the cheapest premium isn’t always the most suitable option. Details such as excess amounts, mileage limits, courtesy car cover and optional add-ons all matter at the claim stage. Changes like working from home, driving fewer miles or changing vehicles can affect whether your policy still fits.
Small tweaks, better balance
General insurance reviews don’t always lead to switching providers. Often, small adjustments can improve value and keep cover aligned with your current lifestyle and budget. It’s important to remember that policies vary in terms, conditions and exclusions, and they may not be suitable for everyone. Any changes should be made with a clear understanding of what is and isn’t covered.
Part of your January financial tidy-up
When reviewed alongside your mortgage and protection cover, general insurance becomes part of a wider financial reset. Let’s get 2026 off to a great start. We can help with a full policy update. Or just a small refresh. We are here to help.