Claims experience
Frequency matters as much as value. A clean, well-documented year is the single biggest lever on your terms.
Renewals
Renewal is won twelve weeks early.
The annual review is your best opportunity to improve terms. Members who start early, evidence their controls and disclose changes consistently get better outcomes.
- Start 12 weeks out
- Annual compliance re-check
- Evidence-led presentation
- Named PALI contact
The countdown
Work backwards from your renewal date.
- 12 weeks out
Refresh the paperwork
Review and re-date your safety statement and risk assessments. Chase any outstanding equipment inspection certificates.
- 8 weeks out
Compile the year
Pull together incident logs, training records, new activities added and any changes to layout, capacity or opening hours.
- 6 weeks out
Submit for review
PALI reviews your presentation and puts it forward, so the insurer has time to ask questions before your renewal date.
- 2 weeks out
Review terms and decide
Go through terms, excesses and any conditions with the broker before you commit, and diary next year's start date.
What actually moves your premium.
Demonstrable improvements
New signage, revised ratios, extra training or replaced equipment should all be evidenced, insurers price what they can see.
Time on the market
Late submissions get rushed decisions. Starting early is free and consistently produces better outcomes.
Tell us mid-year
Don't wait for renewal to disclose a change.
- New activity or attraction added
- Increase in capacity or opening hours
- Change of premises, layout or ownership
- Significant equipment replacement
- Any incident that could become a claim
When is your renewal date?
Tell us and we'll build the 12-week plan backwards from it.