This is few and far between and is only certain insurers ? not the whole industry. However with a larger case of underinsurance, an insurer may rely on a failure by the policy holder to make a fair presentation. They will likely refuse to pay the claim in its entirety. It is often the case that cover reviews, sums insured, policy limits and estimates can be left untouched over time, despite major changes like expanded premises, new equipment or a larger workforce.
0208 8517 7111