IF YOU ARE NOT USING AN INSURANCE BROKER, YOU ARE PAYING FOR A SERVICE YOU'RE NOT GETTING.

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What does an insurance broker do? Essentially, an insurance broker is your expert guide in the complex world of insurance. They offer a range of services, including:

• Assessing your individual needs and obtaining quotes.

• Comparing the cover and premiums offered by different insurers to find the best deal for you.

• Explaining the policy terms and conditions and anything else that’s unclear, like the small print.

• Making sure you receive the correct policy documents and certificates of insurance.

• Dealing with any mid-term changes or queries, and ensuring your policy is renewed on time.

A broker’s role is about more than arranging the best cover, though. They also provide help and guidance in the event of a claim, and ensure a fair and speedy settlement. Some may also recover any uninsured losses for you.

Why use an insurance broker?

There are several advantages to using an insurance broker. Here are a few things to consider:

• Finding the right insurance can be time-consuming. Using a broker can secure you the right cover, faster, and free you up to focus on other things.

• Brokers are professionals with the knowledge and expertise to find the best insurance for your needs and circumstances.

• Some brokers have access to exclusive deals, meaning cheaper premiums, or aspects of cover that you might not have access to if you approach an insurer directly.

• Having someone to guide you through the claims process can make the whole experience less daunting – especially if you’re also dealing with other knock-on effects of the incident that brought about the claim.

• Many brokers can offer advice on how to manage your risks and reduce the likelihood of losing out in a claim, and to keep your premiums as low as possible

• A brokers commission is included in every insurance premium weather you are using a broker or not. Therefore if you're not using a broker, you are paying for a service that your are not getting.

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