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Most individuals do not secure their insurance through a broker, preferring to go directly to the insurance company.
When purchasing insurance, many people look only for the cheapest policy without obtaining proper advice, understanding the fine print or considering whether they are getting value for money. They can end up with cover they don’t need or worse, without the cover they really do need.
A broker can save you time, money and worry.
Brokers can provide you with impartial professional insurance advice based on professional training and experience.
Brokers provide advice and assistance to make sure you are properly protected. A broker will also explain your policy and any special situations of which you need to be aware.
Brokers have access to different policies because they deal with a range of insurance companies. Your broker will be aware of the benefits, exclusions and costs of alternative policies on the market. They will also help arrange and place the cover and can often provide advice on how to make the most of your insurance budget.
Using a broker doesn’t cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.
Critically, if you do have to make a claim, your broker will represent you, negotiating on your behalf with the insurance company.