The Daily Horizon

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Does pizza delivery require commercial insurance?

A standard car insurance or motorcycle insurance will not include cover in respect of pizza or fast food delivery. You must ensure that any vehicles owned...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Does secondary insurance pick up primary deductible?

If you have multiple health insurance policies, you’ll have to pay any applicable premiums and deductibles for both plans. Your secondary insurance won’t ...

Is it possible to pause your car insurance?

While most insurance companies do not allow you to temporarily suspend your insurance, they may allow you to temporarily reduce your coverage. While most ...

What does insurance cover when your car is broken into?

If someone broke into your vehicle, your insurance company should pay for damages to your car if you have comprehensive coverage. Typically, comprehensive...

Can you go to jail for insurance fraud?

In NSW, insurance fraud is usually dealt with under Section 192E of the Crimes Act 1900. There is a maximum penalty if convicted of a 10-year prison sente...

Can lost items be covered by insurance?

Scheduled Personal Property May Help Cover the Cost of Lost Items. You may be able to add scheduled personal property coverage to your homeowners or rente...

Does homeowners insurance cover toilet overflow?

There are dozens of ways water can damage your house and your insurance only covers some of them. If your toilet valves jam or your kid flushes a toy, any...

How do points on driving record affect insurance?

Penalty points show up on your driving record – although not on your actual licence – and can affect your insurance premium. In general, the nature of the...

Are heart attacks covered under workers compensation?

Workers compensation claims can also cover you for psychological and stress-related injuries, such as a heart attack or stroke. Is death covered under wor...

Are car insurance deductibles refundable?

Your insurance company will pay for your damages, minus your deductible. Don’t worry — if the claim is settled and it’s determined you weren’t at fault fo...