The shorter myths article works through six basic misconceptions in essay form – this collection is the expanded, quick-fire version: ten claims you hear all the time, and ten short answers that set the record straight. Good for starting a debate, over a family dinner, or during a coffee break at work.
- Ten myths, each with a two- or three-sentence factual answer plus a link to an article that goes deeper.
- The pattern is a familiar one: half these myths come from mixing up different products, the other half from outdated or over-generalised experience.
1. “Social security pays for everything after an accident anyway.”
Social security provides valuable accident care – but it's built around partial income replacement and treatment, not around sorting out a family's whole situation. The gap is real: the gap map.
2. “Insurers never pay out for athletes anyway.”
Hobby sport is typically part of standard cover; competitive and higher-risk sports can typically be brought into cover with a rider after disclosure – but some products exclude them outright, so the wording of the policy terms decides here. Behind the “they didn't pay” stories there's typically an undisclosed sport: the sport article.
3. “My child has the school insurance, that's enough.”
A good foundation, with modest amounts and a scope of cover that depends on the package. Your own layer is what's there for the serious cases: the children's article.
4. “Pointless for an office worker.”
Most accidents happen outside working hours – sport, getting around, at home. 24-hour cover exists exactly for that, and an office classification brings a favourable premium: the office-worker article.
5. “My card comes with insurance, that's sorted then.”
Bundled cover like this is typically at token amounts, and few people know what it actually includes. Without a stocktake, there's no protection – just a good feeling: get a review.
6. “My accident insurance will cover everything abroad.”
The fixed amounts can apply abroad too – but medical bills incurred abroad are the territory of travel insurance. You need both together: where the line falls.
7. “With accident insurance, life insurance is pointless.”
The accident element only pays out for death of accidental origin – and most deaths aren't. The foundation is cover for any cause: the article on how they relate.
8. “We're a small company, group cover isn't for us.”
Group cover is typically available even for a team of just a few people – it isn't a big-company-only product: the headcount article.
9. “Once you've been rejected, there's no point trying again.”
Most rejections come down to a preventable cause – and a well-founded objection has an orderly route: the reasons · the dispute route.
10. “The broker just wants to sell me something.”
A broker acts on the client's instructions: runs a competition between insurers, provides a table, and will say so openly if not signing is the right answer – and the commission is paid by the insurer, openly: the role article and the honesty article.
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