Insurance Analysis
Your insurance policy has fine print. We read every word.
Find the exclusions, gaps, and clauses that could deny your claim — before it matters.
Analyse My Policy →What ClearTerms finds in insurance policies
Insurance policies are written by lawyers to protect the insurer. ClearTerms reads your policy the same way — finding everything that works against you.
Coverage Exclusions
Most policies exclude specific events, locations, or circumstances. We surface every exclusion clause and explain in plain English what it means you're not covered for. Common exclusions include flood damage, subsidence, and wear and tear — but your policy may have dozens more.
Automatic Renewal Traps
Many policies automatically renew at a higher premium with a narrow cancellation window — sometimes as short as 14 days. Miss it and you're locked in for another year. We flag the exact dates and what you need to do.
Claim Notification Requirements
Miss a notification deadline and your insurer can legitimately reject your claim — even if the event is covered. We surface all notification requirements and their timeframes.
Underinsurance Risks
If your sum insured is below the rebuild or replacement value of what you're insuring, your insurer may pay only a proportion of your claim. We identify where your cover may be inadequate.
Ambiguous Coverage Language
Phrases like "accidental damage", "sudden and unforeseen", and "reasonable precautions" are deliberately vague. We flag them and explain how insurers typically interpret them in disputes.
Gaps vs Standard Cover
We compare your policy against what a standard policy of that type would normally include. If something is missing that you'd reasonably expect to be covered, we tell you.
What a real analysis looks like
Here's an illustrative example of what ClearTerms surfaces in a typical home insurance policy.
Your policy excludes damage caused by surface water flooding, including water that enters through doors, windows, or drains during a flood event. Standard buildings cover does not include this risk. Separate flood insurance may be required if your property is in a flood risk zone.
Your policy auto-renews on the anniversary date. You must cancel in writing within 14 days of receiving your renewal notice or you will be charged for another full year. The renewal notice is sent by post only — email notification is not provided.
Frequently asked questions
Does ClearTerms give legal advice?
No. ClearTerms surfaces what your contract says and what it means in plain English. For legal advice, consult a qualified solicitor. ClearTerms helps you understand what questions to ask.
What insurance types does ClearTerms analyse?
Home insurance, car insurance, health insurance, travel insurance, life insurance, and business insurance policies.
How long does an analysis take?
Typically 30–60 seconds for a full policy analysis.
Is my policy document stored?
No. Documents are processed and discarded immediately. Nothing is stored without your explicit consent.
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