Going for the lowest premium rate by sourcing personal insurance online can be a false economy. It can be all too easy to sit at your computer and think you have saved money without appreciating exactly what you have bought. Every insurance product is different and it helps to have expert advice to explain the pros and cons for your particular needs.
Clients have come to us in the past having been let down by direct insurers when the time came to claim. Either the cover they needed was not there or, perhaps more worrying, the claims handlers failed to recognise that it was. Insurers are generally very poor at investing money in their claims departments and often some members of staff don’t fully understand the policy cover!
The value of our Private Client service is our understanding of the complex range of insurance products available and expertise in judging the strengths and weaknesses of each. This has meant that client claims that were at first denied, have been dealt with and paid, without the client even knowing there was a problem.
As well as providing peace of mind, we can prove less expensive than going online. For instance, many home policies, which seem dearer at first, include wider cover, such as all risks anywhere in the world, which would be an expensive add-on to a budget contents policy.
To quote John Ruskin (1819-1900); "It is unwise to pay too much but it is unwise to pay too little. When you pay too much you lose a little money, that is all. When you pay too little, you sometimes lose everything, because the thing you bought was incapable of doing what you bought it to do. The common law of business balance prohibits paying a little and getting a lot. It can't be done. If you deal with the lowest bidder, it's well to add something for the risk you run. And if you do that, you will have enough to pay for something better
One of the major benefits of using a broker is personal service. This is something we believe in very strongly and something you may not get by going direct. When you call us you will be answered by a human being rather than a machine. We will evaluate your needs and ensure the right person meets them.
Sadly though you will miss out on us reminding you endlessly, every time you ring, how important you are or how we are going to train our staff by recording your calls. We, as Investors in People, quietly do all of that behind the scenes without any fuss. This will become self evident when you get through to one of our staff within just a few rings, at the most.
Our insurance company contacts and industry experience give us the capabilities to handle niche areas of cover you might never know existed, as well as well established personal insurance products such as home, motor and travel. So, please contact us whenever you think we can help. It can pay to have our support.