What are the likely pitfalls that a potential insurance customer should watch out for, before committing themselves to a policy?

- You need to be clear about the type of insurance suitable for you

- You have to be clear about all your insurance needs and be open and honest about the risks you want to insure against.

- You need to read the policy carefully to understand the areas to be covered and those which are not

- You also need to be honest in disclosing all information relating to the insurance policy you are taking out

- All the above needs to be documented clearly and accurately in your application forms