In motorsport, the scrutineer is king. And for good reason. Imagine hurtling around a race circuit with unsafe cars — the danger isn’t just to the driver, but to everyone sharing the track.

I remember one of my early races. The scrutineer took one look at my car and instructed me to clamp and secure my oil filter. At the time, I grumbled inside — it felt like an unnecessary delay. But looking back, it was one of the wisest interventions. That small precaution could have saved my car, the race, and maybe even a life.

It’s the same with insurance. When you apply for cover, the underwriter plays the role of the scrutineer. They see risks you might not, and they have the experience and data to know what could go wrong. Their advice is about more than ticking boxes — it’s about keeping you and your future safe.

So when your insurer offers guidance on your portfolio, stop. Breathe. Think. Then act with a clear head, not an emotional impulse. I’ve seen too many people ignore good advice, only to find themselves in a mess later.

Whether on the racetrack or in life, the rule is the same: be smart, manage your risks, and always listen to good advice.