Summary

Not always. A change in property use may affect the level of risk, but it doesn’t automatically mean your premium will increase.

When Premium Might Change

• Higher fire risk (e.g., catering or manufacturing)

• Increased foot traffic

• Activities involving hazardous materials

• Changes to building layout or fire protection needs

What You Can Expect

• We’ll review the new activity carefully.

• We’ll only update your premium if the risk profile genuinely changes.

• We’ll explain any recommended changes before they are applied.

Reassurance

Your current cover remains active while the review is being completed.