Professional Insurance Advice
There's no getting away from it, the arrival of the internet, call centres and supermarket insurance has revolutionised the way in which insurance is purchased. Prior to these developments there really was just one place to go to buy your insurance – your insurance broker.
There is no doubt that creating standard processes for dealing with your average Joe as he or she goes through life does create some savings. By stripping out costs, insurance companies and online comparison sites can then offer consumers a whole host of prices that suit their pocket.
This is all well and good - but what if you live in a flood risk area, own a sports car, enjoy an above average income, own a company or have had a brush with the law? All of a sudden you're not quite so average and the online option is not quite so simple.
This is one area where brokers excel: brokers offer professional advice to both businesses and private individuals to help them obtain the cover they need.
With a clear understanding of how insurance companies across the whole market price their policies – and the types of risks they'll take on - the broker can consider the customer's level of risk and find the right company to cover it. At Bennett Christmas we explain what's covered under the policy and what's not, take care of the paperwork and negotiate on price to get the best deal.
Our ability to negotiate is also invaluable when it comes to making a quote. We manage the claims process, help to get genuine claims paid promptly and, according to figures from the British Insurers' Brokers' Association, could gain an uplift of up to 20 per cent in claims settlement payments.
We might not have the advertising budget that allows us to be all over your TV every day like some of the major insurance brands and comparison sites, but insurance brokers are still responsible for arranging over 60% of the general insurance in the UK.
So, your best bet is still your insurance broker is you want real peace of mind.
