Explainer: no pressure

6 min read

No means no with your damage insurance check

A free damage check should give clarity, not sales pressure. You may request a check to hear whether your current damage insurance still fits — and then change nothing. That is not a weak outcome; it is sometimes the best outcome. The agreement at PolisMoment is simple: your request goes to one office, not to multiple parties. And if you say no, contact stops.

People who want their damage insurance checked without pressure, call center chains or an automatic switch. · Updated: 2026-06-13 · Verified by Pieter Smit (Certified Insurance Advisor Wft)

What you can decline without explanation

Non-binding means you can stop at any point and for any reason. You do not need to explain that reason or justify your decision. Here are common situations and what you can say:

Examples of a clear no
Situation	What you can say	What should happen next
Your current policies are fine	I do not want to change anything right now.	No switch conversation, no follow-up offer, no 'but what if' reasoning.
You want to decide later	Not now — please do not follow up.	Contact stops until you restart it yourself.
You only wanted an explanation	I just wanted to know what to look for.	No pressure to share documents, sign anything or make a decision.
You no longer recognize the request	I withdraw my interest.	No further follow-up from the damage check.
You are going with another option	I will sort this myself or go elsewhere.	No repeated attempt to win you back.
You have already used the information	I have already made a decision, thank you.	Contact closes without a mandatory evaluation or callback request.

Why non-binding matters especially for damage insurance

With damage insurance, the best outcome is not always switching. A buildings policy may fit well, and a lower monthly premium elsewhere may come at the cost of slower claims handling or a tighter rebuild value limit. Car cover may still be logical. Travel insurance may deliberately remain broad if you travel frequently.

That nuance disappears if a damage check is primarily designed to encourage switching. Non-binding protects your right to draw your own conclusion from the information — including 'do nothing'.

Saving money should not mean removing cover you still genuinely need.
A lower premium is not a reason to overlook terms, exclusions or deductible.
A review conversation should allow the conclusion that changing nothing is the wisest move.
A limited contact agreement stops a simple check from becoming a lengthy sales process.
You may take the information away and decide yourself — even if you do not follow the advice.

How to stay in control of the conversation

A conversation with an adviser is informational, not a negotiation. You set the pace and the depth. Here are concrete ways to steer the conversation your way:

Ask for the conclusion in plain language

Have the adviser explain which risk is too expensive, duplicated, too narrow or already suitable — without insurance jargon you would need to look up later. 'What is the concrete risk if I change nothing?' is a fair question.

Ask what changes if you do nothing

A useful comparison also shows the risk of staying put: are you then underinsured at a large claim, or just slightly overpaying? That is relevant information for your decision.

Decide policy by policy, not by package

You do not have to review your whole insurance package if only one element needs attention. Ask whether you can get a conclusion per policy, so you make targeted choices.

Ask about deductible, not just premium

A lower monthly premium is attractive, but if the deductible rises from £150 to £500 at the same time, the bill at a claim changes significantly. Ask the adviser to work through that explicitly.

State when you will make a decision

If you want a week to think, say so. An adviser who does not respect that gives you useful information about how the follow-up would feel.

Say no explicitly when you want to stop

Use clear language: no follow-up, no offer, no switch. Friendly but direct is enough.

Why one request to one office helps

With resale, stopping is more work: you do not know exactly who received your request, who has already contacted you and who still plans to. That makes non-binding in practice less non-binding than it sounds.

PolisMoment facilitates the request and does not provide personal advice. The independent office carries out the substantive check. You decide what to do with the outcome — and when.

Frequently asked questions

Do I have to switch after the check?

No. The check does not oblige you to switch, buy anything or have another conversation. Non-binding means 'I am doing nothing' is also a valid outcome.

Can I still say no if a saving is possible?

Yes. You may prefer your current insurer's service, dislike the timing of a switch or simply not want the hassle. You decide whether a saving outweighs the admin, the timing and the risk of a different claims experience.

What if the adviser keeps pushing?

State clearly that you do not want follow-up and that you consider this a definitive no. If contact continues, you can report that to PolisMoment. The request goes to one office, and that office is accountable.

Why does it help that my request is not sent to multiple parties?

There is only one contact line. If you do not want follow-up, that message does not have to reach several providers who each plan follow-up independently. One no is enough.

May I use the information from the conversation without switching?

Yes. The information you receive is yours. If the check helps you better understand what you have and what is missing, that is a useful outcome — even without switching.

Does PolisMoment advise on my decision?

No. PolisMoment does not advise or broker policies. We explain the process and facilitate the request. The substantive assessment and advisory conversation happen at the independent office.

Pieter Smit

Wft Gecertificeerd

Pieter Smit is a certified insurance advisor (Wft non-life personal & commercial) with years of experience in the Dutch insurance market. As an independent expert, he verifies that our articles comply with current regulations and that the advisory principles are strictly commission-free and focused on the consumer's best interest.

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