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Why you should use an Insurance Broker


Purchasing insurance directly can seem to be the easiest option, however, sometimes it can be actually more difficult getting insured direct and getting it wrong often proves costly. If you are thinking of buying insurance for a certain reason such as car, home, or van insurance, an insurance broker is probably the best way to go. Using a broker can save you time and money, and a lot of worry. Any form of insurance can be difficult to understand, however, by working with a broker, they can help you understand all the fine details of the policy and also what cover you would need to ensure that you are properly protected. Also when you are looking for a better deal for your annual renewal, a broker will do all the hard work for you comparing different insurers every year to ensure you always get the lowest prices on your policy.

What is an Insurance Broker?

An insurance broker is a company that arranges insurance with an insurance provider on a customer behalf. Your insurance broker will highlight the key points of your policy and arrange all the policy details for you. A broker is equipped in saving you money when shopping for the best deals on insurance by comparing multiple providers. They can offer you peace of mind with an honest, trustworthy, and experienced service.

Here are some of the many reasons why you should use an insurance broker:

  • Expertise

  • Insurance brokers specialise in helping you understand the insurance product and policy and also arrange the insurance to meet your individual needs of both you and your family. They bring their expertise and professionalism to all your insurance needs and queries.

  • They provide a personal service

  • As soon as you engage a broker, you will be provided with a dedicated and professional service. This person will allocate a policy based on your needs and requirements.

  • They will search the market for you

  • A broker will take the hassle away from you and search the online market on your behalf for the most appropriate insurance cover to suit your needs and budget. They will offer you various options and will go through the type of cover options you are looking for in great detail.

  • Help if you make a claim

  • It can become stressful if you are making a claim. Your broker will do all the work on your behalf to achieve the best possible outcome for you. Your broker may speak to claims departments and loss adjusters for you which in turn take the hassle and worry from you, ensuring all paperwork will be up to date.

  • Find the right product for you

  • To find the best policy for you, your broker will speak to you about your needs. If you are already covered by existing insurance policies, to ensure they don’t overlap, they will look into comparing prices and the product features to get you the best deal. Brokers are often more flexible on the price compared to comparison sites.

  • Familiarity

  • If you are not too familiar with the product you are about to buy, your insurance provider are experts in this field. They are familiar with all policy types and will only offer you only the best advice.

  • Helping you understand the policy

  • Documents for insurance policies can be sometimes hard to understand, especially the small print which many may not read. A broker is an insurance specialist who will go through all the fine details from the small print, the policy excesses, and exclusions.

  • Personal data is secured

  • A broker is better equipped to deal with any specific questions which gives many customers peace of mind. All personal data is secured the right way to ensure trust and peace of mind. You can trust your broker always puts your best interests first.

  • Save you Money

  • An independent broker can save you money in the long term. They will find a suitable policy for you and will ensure that you are not paying more than you would need to. Any commissions are paid by the insurance company, and not by you.

  • Relationships are for the long term

  • Any insurance broker will work with you on a long-term basis. They will work with you individually, get to know you, and help you to understand the policy that they have issued to you.