Insurance Policy Vault
Your policy wording is a contract. When an insurer denies, adjusts or delays a claim, the fastest defence is quoting their own terms back to them. Keep the wording, schedule and every letter in one searchable place.
What to record
Insurer name, policy number, broker or agent, contents coverage limit, excess or deductible, policy start and expiry dates, and key terms or special conditions. Renewal dates matter — a lapsed policy voids coverage.
Keep the actual documents
Upload your policy wording, schedule, certificate and renewal notices as PDF or images. Store them as-is so they remain legally legible — compressed screenshots can blur the fine print that decides a claim. Files stay in your browser; nothing is uploaded to a server.
The underinsurance trap
If your contents are insured for less than their true value, most insurers apply an "average" clause: they reduce every payout by the proportion you are underinsured. If you are 40% underinsured, a R100,000 claim pays R60,000. Enter your exact sum insured and ClaimVault compares it against your documented inventory to flag the gap before a loss happens.
Common questions
What if I can't find my policy wording?
Ask your insurer or broker for a copy — they must provide it. Most also publish current wording on their website. Save the version in force at the time of any incident.
Should I keep old policy documents?
Yes. Claims are assessed against the policy in force when the loss occurred. Keep historical wording and renewal letters.
Does ClaimVault give insurance advice?
No. It is a documentation tool. For coverage decisions, consult your insurer or a licensed professional.