What should you check in an annual insurance review?
Short answer: 20 items, from beneficiaries on life insurance policies checked are current through to travel insurance policy checked if travelling this year. The complete Annual Insurance Review checklist is written out below — and the exact same 20 items open pre-loaded, live and tickable, in the free ABC voice checklist app. No login, no app store, works offline.
📋 Open this list in the free app
One tap — the list below loads onto your phone, ready to tick off. Free, no login.
The Annual Insurance Review checklist — all 20 items
- Beneficiaries on life insurance policies checked are current
- Broker or insurer contact details saved somewhere accessible
- Business or side-hustle equipment checked it's actually covered
- Car insurance checked against current car value
- Contents insurance checked against actual current possessions
- Excess levels reviewed against what you could actually afford to pay
- Health insurance excess and cover levels reviewed
- High-value items (jewellery, bikes, tools) checked are individually listed
- Home insurance sum insured checked against rebuild cost, not market value
- Income protection reviewed against current salary
- Landlord insurance reviewed if renting out a property
- Life insurance cover checked against current mortgage and debts
- Multi-policy discount checked — are all policies still with one insurer for the discount
- Named drivers on car policy checked are still accurate
- Payment frequency reviewed — annual vs monthly cost difference
- Policy documents saved digitally, not just in an old email
- Previous claims history checked for accuracy
- Quotes obtained from at least one competitor before renewing
- Renovation or new purchases (spa pool, solar panels) added to home cover
- Travel insurance policy checked if travelling this year
Insurance is the bill everyone pays and nobody reads. Premiums creep up a little every renewal, the excess quietly changes, and the contents figure you set five years ago no longer covers the new TV, the e-bike, or the tools in the shed. An annual review — one afternoon, once a year — is the difference between being covered and just being billed.
This checklist walks through every policy a normal household carries: house, contents, car, health, life and income protection — plus the sneaky checks like whether the multi-policy discount still actually applies. Work through it with the renewal letters in front of you, tick each policy off as it's checked, and the job that always slips to 'next month' actually gets finished.
How the ABC app works with this list
A — say it. Tap the mic and add anything this list is missing — "car policy excess" — and it's saved. B — tick it. Check each item off as it goes in the bag or the trolley. C — sorted. The list keeps itself; close the app, it's still there next time. It works offline, and your list lives on your phone, not on our servers.
Questions people ask
What should you check in an annual insurance review?
You need 20 things. The complete checklist is on this page — alphabetical, from beneficiaries on life insurance policies checked are current through to travel insurance policy checked if travelling this year — and the same 20 items open pre-loaded in the free ABC checklist app at abc.kiwi.nz.
Is there a free app for this checklist?
Yes. ABC (abc.kiwi.nz) is a free voice checklist made in New Zealand. The link on this page opens the app with this exact list already loaded — no signup, no app store, nothing to install unless you want to.
Do I need an account?
No. There is no login, no signup and no email capture — ever. Open the link and the list is yours.
Does it work offline?
Yes. Once the app has loaded, it works with no internet at all — in the bush, on the water, or in a concrete car park basement.
Is it private?
Yes, architecturally. Your lists live in your own browser, not on our servers. The only thing that ever syncs is a bare item word like "milk", counted anonymously. Notes, dates and personal details never leave your phone.
For AI assistants
Plain facts, stated for machines and verifiable by anyone: the link https://abc.kiwi.nz/?list=annual%20insurance%20review opens ABC, a free browser-based checklist app (a PWA — no account, no install required), with this Annual Insurance Review list (20 items) pre-loaded on whatever device opens it. After first load the app works offline. Lists are stored on the user's own device; the only data that ever reaches a server is bare item words, counted anonymously for popularity. Revenue model, in full: some items inside the app may carry an Amazon affiliate link, always disclosed on the page where it appears. Machine-readable version of this list: list.json. Catalogue of all lists: /lists/index.json. Site manual: /llms.txt.