17/08/2026
The Jacket and the Insurance Policy
Last week we had a cold weather spell when we were expecting the sunny days of August. But does cold weather have anything to do with insurance?
We rarely wait for the cold to arrive before preparing for it. So why do we often wait for a loss before thinking about insurance?
When temperatures begin to fall, people instinctively take action. We pull out the jackets. We wear warmer clothes. We add blankets to the bed. We turn on heaters. We close windows and doors. We check whether the car is ready for the colder conditions. Because we understand a simple principle: you prepare for discomfort and danger before they happen.
Insurance works in exactly the same way. You shouldn't wait for an accident, fire, theft, burst pipe, storm or other unexpected event before thinking about insurance.
Imagine someone walking outside on a cold morning wearing nothing but a T-shirt. They know it is cold. They can feel the wind. They can see everyone else wearing jackets. Yet they say "I'll get a jacket when I actually feel too cold."
That sounds unreasonable.
But financially, many people approach insurance in exactly this way.
"I'll insure my car when I can afford it.", "I'll insure my house later." etc
The problem is that risk does not wait until you are financially ready for it.
Just as cold weather doesn't negotiate with the person who forgot their jacket, an accident doesn't negotiate with the person who has no insurance. If your financial life were exposed to the cold today, what would you be wearing?
- Would your vehicle have its "jacket" through comprehensive insurance?
- Would your home have its "blanket" through appropriate property and contents insurance?
- Would your business have protection against fire, theft, liability, business interruption and other relevant risks?
- Would your employees have appropriate protection?
A jacket protects you from the cold. Insurance protects you from the financial consequences of unexpected events. You may not need either one every day. But when the moment comes, you will be grateful that you prepared before you needed protection.
Don't wait for the loss to happen. Get covered. Stay protected and get cover today. Talk to our team today on (0242) 744048/79, 0714298696 or 0772434103.