How can we help?

How do I make changes to my cover?

Need help making a change to your policy?

Please note you can only change a policy once it’s active. If you’ve incorrectly set up a policy in advance, you will need to cancel the policy and do a new policy with the corrected details. We will give you a full refund for the cancellation.

You cannot switch from a monthly policy to an annual one, but you can change from an annual to monthly policy at renewal.

Where do I start?

You first need to log into your initio dashboard, either by clicking on the “Login” button in the top corner, or clicking here. Once you’ve logged in, you should see your dashboard with your active policies listed.  If you need to make a change to a policy, simply click the circled “Make a change” button from the right-hand side action menu.


Changing cover?

Click on the “Cover” button to make changes to your policy. After you have made your changes,  click ‘confirm’ at the bottom of the page to proceed to the confirmation and payment sections, where you will either be refunded or required to pay a difference based on the changes made.



Update policy type

Not living in your own home anymore and have turned it into a rental? Simply click on the property description drop-down box and change it to ‘Rental Property’. If you need help deciding on which policy you need, please Contact us.


Update cover selections

Need to increase your replacement value or adjust your excess? Here’s where you can make these types of changes.


Review and confirm

Review your new cover details under ‘Confirm Change’, and the smart quote system automatically adjusts the price of your policy according to your changes.  If a refund is due, we’ll process this within 1-3 working days.



You can make more than one change at once. Each time you make a change, the premium will recalculate and show you any difference in cost (calculated upto the policy renewal date). If you change your mind, cancel the transaction and no changes will occur. If you want to proceed with a change, click confirm and pay the additional premium (or confirm the refund). Alterations take effect immediately. A current certificate of insurance is also available on your dashboard.

Changing Insured Name or Interested Party

Click on the “Insured name” or “Interested party” buttons.  Select whichever Interested party applies (select ‘other’ if yours is not listed) and enter either your name, company or trust name (whoever owns the property) as your Insured name then click ‘Submit’.



After making changes, your online certificates and documentation will be updated and a copy sent to your registered email address.