In this age of mass customisation it seems weird to have to advocate for a change so basic - but my Christmas wish for consumers this year is a policy that at least most of the population could read.
I am not talking about the kind of dumb-down which reduces the scope of cover. What I wish for is a reduction in the needless complexity that exists only for the convenience of the robots. Machines, you see, are the reason that policies have several components which are prepared separately, and therefore do not form a single, logical, narrative readable by most humans. It is because a different machine produces the cover, the schedule, the standard terms, and the specific benefits wordings. Each of these separate components, however well written they may be individually, demand special effort on the part of the reader. Without specialist training, reasonably advanced skills in English, a calculator, and a small stack of post-it notes, it is not possible to reliably traverse the different sections and combine them to understand the meaning of, say, the amount paid on disablement, or what will be paid on diagnosis of a particular cancer.
Having a single document that can be read like a book or magazine article, personalised with the name of the insured, owner, and payer shown in the text, along with the relevant sums insured would make this so much easier. All this is possible, and quite cheap, and would probably reduce complaints, and improve the efficiency of claims.