We automatically re-assess your premium annually to see if we can lower the amount you are paying for insurance!There are some cases, however, that you could find yourself spending more on insurance due to certain changes in your life. If your risk profile changes in any way, your insurer needs to know about it in order to align your premium to your new life. So, just what are the changes that you need to let your insurer know about? What will affect your policy? We look at the changes below.