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Top 10 Common Insurance Myths; Debunked

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Insurance can feel like a labyrinth of misinformation, leaving many policyholders uncertain about their coverage. As your trusted broker, we aim to shed light on some of the most prevalent insurance myths, providing clarity and peace of mind as you navigate the insurance landscape.



Myth: Insurance Is for the Wealthy 

Contrary to popular belief, insurance is not an exclusive club for the wealthy. In fact, insurance is designed to protect individuals from financial hardships, regardless of their income level. Policies are customizable to fit various budgets, ensuring that everyone can find coverage that suits their needs. Shop here for your own personalized quote. 



Myth: Red Cars Cost More to Insure 

The colour of your car has no bearing on your insurance premium. Insurance companies’ base rates on factors such as make, model, year, and your driving history. While a flashy red car might catch the eye, it won’t catch you a higher insurance bill. 



Myth: Full Coverage Means Everything is Covered 

Full coverage doesn’t mean your policy is an impenetrable shield. It typically refers to a combination of comprehensive and collision coverage. However, it doesn’t cover every conceivable situation. Understanding the specifics of your policy is crucial in avoiding surprises when making a claim. 



Myth: Older Drivers Always Pay More for Insurance 

While it’s true that younger drivers often face higher premiums due to less driving experience, older drivers aren’t automatically relegated to steep insurance rates. Many factors, including driving history and the type of vehicle, contribute to determining premiums. Safe driving habits can lead to lower costs, regardless of age. Contact us to ensure you’re receiving the most competitive rate available to you.  



Myth: Home Insurance Covers Everything 

Home insurance is a vital protection to have for you and your loved ones, but it doesn’t cover every conceivable mishap. Items like earthquakes and floods often require separate policies. Understanding the exclusions and limitations of your home insurance policy ensures you’re adequately protected, regardless of where you call home. Learn more about the home insurances we offer here 



Myth: Life Insurance is Only for the Elderly 

Life insurance isn’t reserved for the elderly; it’s a tool for financial protection at any age. Whether you’re securing your family’s future, covering debts, or planning for the unexpected, life insurance is a valuable investment that transcends age. We are proud to offer life insurance, critical illness and disability insurance through our sister company Hometown Life Insurance. Get a quick and easy online quote in minutes.  



Myth: Small Claims Will Not Affect Your Premiums 

Even small claims can impact your premiums. Insurance companies consider your claims history when determining rates. While one small claim may not cause a significant increase, a pattern of frequent claims can lead to higher premiums. 


Our 24/7 claims support is there whenever you need it and can be accessed through the self-serve portal. Need to report a claim? Submit your request in real-time directly from your smartphone.  


Myth: Renters Don’t Need Insurance 

Some renters assume their landlord’s insurance covers their belongings, but that’s a common misconception. Renter’s insurance protects your personal property and provides liability coverage. It’s a small investment that can save you from significant losses in case of unforeseen events. Stay informed on what to look for in a tenant’s policy and browse optional coverage options here. 



Myth: You Can’t Switch Insurers Mid-Policy 

Contrary to popular belief, you can switch insurance providers mid-policy. If you find a better deal or more suitable coverage elsewhere, it’s worth exploring your options. Some insurers even offer prorated refunds for the remaining term of your policy. At Duliban Insurance, we’ll do the heavy lifting and expedite the transfer process on your behalf. Contact us to learn more.  



Myth: The Insurance Company Will Always Replace a Car at Purchase Price 

If your car is totaled, the insurance payout may not necessarily match the purchase price. Insurance companies consider depreciation, which means your reimbursement may be based on the current market value of the vehicle – not what you originally bought it for. Understanding this helps manage expectations in unfortunate situations, and ensures that you’re financially prepared for the relevant next steps.  




Dispelling these common insurance myths is a step toward empowering you as a policyholder. By understanding the realities of insurance, you can make informed decisions, ensuring your coverage aligns with your needs and expectations. At Duliban Insurance, we believe in transparency at every step of the customer’s journey, providing you with the tools to navigate the insurance landscape confidently. 

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