It’s all about protecting you!

Getting sound insurance advice and cover is important for just about any individual – whether it’s home and contents insurance, business related insurances, motor vehicle or even personal income protection insurances.

Whilst “Off-the-shelf” online insurance policies may look easy enough to access, in many cases they may not give you the best solution for your particular circumstances. Let’s face it, people, property, businesses and investments are all different, have varying degrees of risk and therefore each need a unique insurance solution.

Hence, the benefit of working with an insurance broker. It means your risks and needs are fully understood so that you get the best protection with a personally customised solution.

Here are some other key questions you can ask in finding the right insurance broker.

How does an insurance broker work with me?

Enlisting the help of an insurance broker will help you get independent and more particular advice. They understand the market and all the various products out there meaning they can help you narrow down your options to find the best possible insurance coverage.

Brokers can represent and work with you. Always ask how they work and how will they be compensated. They can act on your behalf and since they have the right expertise, they can take out the stress and time in figuring what insurances are best for you.

How can I get the best from an insurance broker?

The only way to get the best out of an insurance broker is to know what you want and communicate it to them.

Some questions to consider include:

What type of insurance do I need?
Do I want all types of coverages obtained from the same broker? – Often this is the best option as it tends to cut the work down
Do I need/want a regular policy review?
Will you be there for me at claim time? – this is one of the huge benefits of working with an insurance broker and building a relationship with them – they are there when you really really need them! And can help you through the claim process faster.

How can I find a good local insurance broker?

Always remember that the right insurance broker should be someone who understands your requirements, gives a truly personal service and is there when you really need them – at claim time. Be particular about their expertise and experience.

If you want to find the right candidates then why not look at the following:

Recommendation from friends or family
A trusted online network which only lists recommended and vetted insurance brokers
Feedback from insurance companies

Remember each insurance broker is different and so it’s all about finding the right fit for you. Always check out their background, meet them for yourself and ask your own questions.

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