Auto · Life · Health
Cover that still fits the life you are living now.
Most policies are bought once and then quietly left alone. Households grow, cars change hands, jobs end, health questions get harder to answer. FirstGuard writes auto, life and health cover priced for the household you have today.
Auto
The car, and everyone who is allowed to drive it.
Life
The people who would have to manage without your income.
Health
Treatment, scans and specialists without the waiting list.
Field of view
Six gaps sit inside an ordinary auto life health policy.
Move over the nodes. Each one is something an insurer only learns about after a claim, unless it is written down first.
Auto
The friend who borrows the car and is named nowhere.
Life
A beneficiary chosen before the household changed shape.
Health
A waiting period that has to be served before it pays.
Auto
Where the car actually sleeps: street, driveway or shared garage.
Life
Unpaid work at home that would have to be hired out.
Health
A chronic condition managed at home and mentioned to nobody.
One household
A change in one part of life rarely stays inside one policy.
Choose the change closest to yours and see which parts of your auto, life and health cover it quietly moves.
Auto
A learner or newly licensed driver who is not yet named anywhere on the policy.
Auto
A premium priced for one careful driver and a car now shared by two.
Auto
Annual mileage that jumps the month a second person starts driving.
Life
A dependant with years of schooling still to be paid for.
Health
Sports injuries, physiotherapy and the orthodontist bill nobody budgets for.
Health
A young adult who drops off a family plan on a date nobody has diarised.
Life
A sum insured decided when the household had no one depending on it.
Life
A beneficiary named in a year that looked nothing like this one.
Life
Unpaid work at home that would have to be hired out if it stopped.
Health
Maternity benefits that only pay once a waiting period has already been served.
Health
A newborn who has to be added to the plan within a fixed number of days.
Auto
A bigger car, a longer daily route and a seat that never comes out again.
Health
Group cover that ends on the same day the employment contract does.
Health
A gap between one plan ending and the next one accepting you.
Life
A death benefit attached to the employer rather than to you.
Life
An income the household budget quietly assumes will keep arriving.
Auto
A commute that changed length, route and where the car sleeps at night.
Auto
Business use that started as an occasional favour and became a routine.
Health
Appointments, scans and pharmacy runs added to an already full week.
Health
A condition that changes what a routine plan will still reach.
Auto
Driving their car more often than your own, without being named on it.
Auto
Whose name is actually on the policy you have quietly been paying.
Life
Help that someone would have to be paid to replace if you stopped giving it.
Life
Two generations now leaning on a single set of monthly numbers.
Select a situation to change the view
Four things that were accurate on the day you signed.
Auto · Who drives it
“Anyone in the house is covered if they take the car.”
Most policies cover named drivers, not every licence in the hallway. Adding a name usually costs less than a single declined claim.
01 / 04
Some of these may still be perfectly true for you. The useful part is knowing which ones stopped being true, and covering what they no longer do.
ContactThe thread
One line runs through all three policies.
Scroll slowly. The line below is the same information, moving from one policy to the next.
01 · Who is in the household
The same list of names belongs on all three policies.
Drivers on the car, dependants on the life cover, members on the health plan. One change usually touches at least two of them.
02 · What it would cost to replace
Every policy contains a number set on a date.
A car value, a sum insured, an annual limit. None of them move on their own while prices do.
03 · When cover actually starts
Waiting periods run on their own calendar.
Health benefits and some life benefits only begin after a set time has passed. The clock starts at the application, not at the claim.
04 · Who reads it after you
A policy is only useful if someone can find it.
Documents, numbers and contacts kept in one place, under the names of people who would actually need them.
One ordinary week
Nothing here happens on a renewal date.
Monday
AutoSomeone else takes the car to work. A driver who is not on the schedule is still a driver.
Wednesday
HealthA routine check turns into a referral. The waiting period started the day the plan did.
Thursday
Health & LifeA new contract is signed. Group benefits leave the building when you do.
Saturday
LifeOne more person depends on the same monthly numbers. The sum insured was chosen for a smaller household.
Sunday
The paperworkThe week ends. The policy still describes last year.
Five days, three policies, one set of details behind them.
Contact
Someone else takes the car to work.
What we cover
Three policies, written to sit beside each other.
Auto, life and health cover from one insurer, on one renewal date, with one set of details to keep current.
01
Auto
The car, and everything it quietly does
- Comprehensive, third party and fire, or third party only
- Named additional drivers, including young and learner drivers
- Roadside assistance, towing and a courtesy car after a claim
- Cover for tools, laptops and equipment carried in the vehicle
- Towbars, roof boxes, bike racks and fitted accessories declared up front
02
Life
The people standing behind you on paper
- Term cover for the years a mortgage or a child still needs it
- Whole of life cover with a fixed sum insured
- Critical illness and total disability benefits paid to you, not an estate
- Beneficiaries you can update in minutes, as often as life requires
- Funeral and immediate expenses released while paperwork is still moving
03
Health
Treatment that does not wait for a date
- Hospital cover for admissions, surgery and intensive care
- Day-to-day benefits for GP visits, scans, dentistry and optometry
- Chronic medication and ongoing condition management
- Maternity, newborn cover and paediatric visits
- Emergency transport and out-of-area treatment
Benefits, limits and waiting periods differ by plan. Full terms are set out in the policy schedule issued with your quote.
Timing
The moment worth looking is rarely the renewal letter.
Timing changes what can be asked, priced and offered. Some cover is simply easier to arrange before an event than after it.
Auto
The week before the policy renews itself
A renewal goes through whether or not anyone has looked at it.
Auto
The day a second person starts driving
A new licence in the household changes who is protected and at what price.
Life
The month you sign for a home
Years left on a bond deserve the same number of years of cover behind it.
Life
The month a child arrives
A new dependant changes both the amount and the name on the policy.
Health
While the health questions are still routine
Underwriting looks at the answers available on the day you apply.
Health
The month you leave a job
Workplace cover usually stops at the door. Waiting periods start again outside it.
All three
The year two households become one
Two sets of policies, two renewal dates and one budget between them.
Scroll the moments
In practice
None of it arrives labelled auto, life or health.
It arrives as a set of keys, a doorway, a corridor, a quiet room. The policies only matter afterwards.
Auto
The set of keys that now lives in someone else’s pocket.
Life
The doorway that three people now walk through every morning.
Health
The corridor where a routine appointment turns into a referral.
All three
The evening someone finally reads the policy from the first page.
Drag to compare
The household you insured, and the one you have.
Pull the handle across. The policy did not move on its own.
Today
Two drivers, one dependant, a health plan that has to cover four people.
The day you signed
One driver, nobody dependent on the income, a plan bought for one person.
Drag the handle, or use the arrow keys
Four lines that decide a claim
The cards stack. So do the clauses.
Line 01 · Named drivers and members
Who is listed, not who lives there.
Auto cover follows the names on the schedule, and a health plan follows the members added to it. Living in the same house is not the same as being on the policy.
Line 02 · Sum insured
The number that caps everything else.
A claim is paid up to this figure and no further. It was chosen on one particular day, against one particular set of prices.
Line 03 · Waiting periods
Cover that exists, but not yet.
Several health and life benefits only become payable after a defined period. The date on the application is the date that matters.
Line 04 · Beneficiary
The one line nobody re-reads.
A life policy pays the name written on it. Marriages, separations and births do not update that line by themselves.
ContactBefore you compare prices
Three questions worth more than a fast quote.
The same cover looks different from three distances. Move between them and see what each one brings into the frame.
Near view
What am I actually covering?
- 01What would this cost me if it happened next week?
- 02Which names appear on the policy documents today?
- 03When was this sum insured last set, and against what price?
Move between the three distances
How cover starts
Three steps, and nothing signed until you say so.
Step 01
Send the current details
Who drives, who depends on you, and what cover already exists.
Step 02
We price the three policies
Auto, life and health quoted separately, then together on one date.
Step 03
Cover starts when you accept
Documents issued the same day, with every limit written down.