“I think I have insurance for this… but how do I actually claim it?” It’s one of the most common (and most frustrating) questions people ask. Not because they don’t have coverage, but because no one made it clear how to use it.

For most of us, insurance was never something we chose - it just came with a job, a card, or a form we once signed. Yet when something happens, a lost phone, a hospital visit, a cancelled flight, we suddenly ask:

Most people are already insurance somewhere. Insurance hides in more places than you think: your job, your credit card, your travel booking, even your phone purchase.Yet most people only realise it after something goes wrong, when a missed claim could’ve saved hundreds of dollars.