Spot every change between two policy wordings in minutes
Upload the expiring wording and the renewal or competing wording. Policy Compare lines them up clause by clause and shows you what has been added, removed, narrowed or broadened, so nothing slips through before you advise the client.
Sample: expiring vs renewal wording, compared
| Clause | Expiring wording | Renewal wording | Change |
|---|---|---|---|
| Unoccupied premises | Cover reduced after 60 consecutive days unoccupied. | Cover reduced after 30 consecutive days unoccupied. Weekly inspections now a condition precedent. | Narrower |
| Theft excess | £250 each and every loss. | £500 each and every loss. | Narrower |
| Business interruption | Gross profit, 12-month indemnity period. | Gross profit, 18-month indemnity period. | Broader |
| Cyber extension | Not included. | Data restoration costs up to £25,000 included. | Broader |
| Subsidence | £1,000 excess. | £1,000 excess. | Unchanged |
Want this for your next renewal? Run your own documents — 14-day free trial, no card required.
Run your own freeHow Policy Compare spots the changes
- Step 1
Upload two wordings
Any two PDFs: last year's and this year's, or two insurers' wordings for the same risk. Scanned copies work too.
- Step 2
Clauses are matched up
Each clause in one wording is paired with its counterpart in the other, even when the headings, numbering or order differ.
- Step 3
Every difference is labelled
Each change is marked as new, removed, narrower or broader cover, with both versions shown side by side in plain English.
- Step 4
Share it with the client
Export the comparison to Word or copy a short summary into your email to explain what has changed.
What it picks up
- New or tightened exclusions, conditions precedent and warranties.
- Changes to unoccupancy periods, security requirements and claims conditions.
- Altered limits, excesses and definitions buried deep in the wording.
- Cover that has quietly disappeared since last year.
- Your documents stay private in your account and are never used to train anything.
Compare your next two wordings before you send the renewal.
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