Can Skipping Test and Tag Void Your Insurance?

Yes, it can. Most commercial insurance policies require you to keep your equipment maintained and to comply with safety laws. So if an electrical fault causes a fire or an injury, and it’s traced back to gear that wasn’t tested or maintained the way it should have been, your insurer can question the claim, reduce the payout, or knock it back altogether.

Most business owners treat test and tag as a box-ticking chore. It’s actually one of the cheapest ways to protect your cover — see the real cost of non-compliance for the fuller picture.

Why insurers care about it

When you take out a policy, you agree to hold up your end — keep the place safe, maintain your equipment, follow the rules. Test and tag to AS/NZS 3760 is the recognised way to show you’ve done that with your electrical gear. If a claim lands on their desk and the cause was a frayed lead or a dodgy appliance that hadn’t been checked in years, that agreement is the first thing they’ll look at.

“Would they really knock back a claim?”

It depends on your policy and the circumstances — nobody can promise you either way. But the risk is real, it’s well documented, and here’s the kicker: it’s completely avoidable. For the price of a testing round, you take the whole argument off the table.

What actually protects you

It’s not just the tags on the gear — it’s being able to prove it. That means:

• An up-to-date asset register listing every item, its result and its next-due date
• A certificate of testing from a competent person
• Compliant tags on the equipment
• A schedule that keeps you ahead of your intervals

If you ever need to make a claim, that paperwork is what shows you did the right thing.

The simple fix

A regular testing program with proper records removes the doubt entirely. Your people stay safe, you stay compliant, and your insurance does what you’re paying it to do. Not sure if you’re even required to do it? Read is test and tag actually the law, or get an instant quote to see what it’d cost to get ahead of it.