Why use an insurance broker?
You may be asking yourself: Why use an insurance broker? Isn’t it just as good to just go on to comparison sites to search for the best deal? Or, how about going direct to the insurance providers?
Here are 6 of the best reasons why you should use an insurance broker –
Getting the COVER you need
Did you know there are approximately 80% of sme businesses across the UK underinsured!*
A worrying statistic, where some businesses don’t relaise they are underinsured and some may be taking risks to to drive their premiums down.
Every business is different and sometimes a package deal doesn’t always cover what you require. At Cleddau Insurance we identify the cover you need and any hidden wordings or caveats in a policy that could mean you that you are under insured.
“We make sure that you don’t pay for what you don’t need”
All our customers get a tailormade personal service. We find out what you need and agree what cover is most appropriate. We then use our experience and industry connections to shop around and negotiate the best price. You never pay for additional products or services or coverage that you don’t need.
Don’t just take our word for it
(Statement below from MoneyAdviceService.org)
“Many people turn to comparison sites to look for the cheapest insurance, but that’s not always the best way. The policies you’ll be offered are fairly generic so if you want a policy that meets your individual circumstances it might be better to use a broker.”
“We can usually get you a better price”
Because of our experience and contacts, we can usually get you the most competitive deal available, plus the time we spend on your account is paid for by the commission we get from the insurance provider. So it’s a win-win for you.
(Statement below, from MoneyAdviceService.org )
Brokers are “experts in the market and – even with run-of-the-mill insurance – they can often find you better cover at a great price”
In need of more than one policy?
“If you’ve multiple policies to insure we’ll find you a great value combined deal”
(Statement from Martin Lewis’s consumer championing website MoneySavingExpert.com)
“…you may be able to negotiate a better deal by using local brokers and putting all the policies through them.”
“We work just for you”
Because we work for you – not for an insurance company – you can be assured that we always have your best interests in mind when seeking out the most appropriate policy for you.
“You get expert advice that you can trust and rely on – guidance that won’t cost you anything”
Insurance can be complicated so you’ll benefit from having an expert working on our behalf, acting as an impartial middleman between you and the big insurance companies.
(Statement from MoneyAdviceService.org)
Just “like comparison sites, they get paid a commission by the insurance provider for selling their products so you don’t pay them a fee for shopping around to get you a good deal. Unlike comparison sites, brokers have specialist expertise and can give you guidance on the products that best suit your needs”
“Each time you call you can speak to the same person”.
Many customers like the fact that the broker knows them and their individual needs.
“If you need to make a claim, we’ll be there to help, guide and support you”
Making a claim is often the moment when you discover the value of your insurance. Even so, this can be a stressful experience, especially if you’ve never done it before. Fortunately, we have and will be with you throughout the process, guiding and supporting you where necessary.
(Statement from MoneyAdviceService.org)
“Your claims are taken care of: if you need to make a claim, your broker might speak to loss adjusters and claims departments and do as much as possible for you so you don’t have the hassle and worry.”
“We save you time and frustration”
We have the knowledge, expertise, and access to find the right insurance provider and product for you – no need for you to trawl blind through a myriad of insurers and their products. Nobody’s got time for that! (Except us, of course!)
LOCAL AND FRIENDLY
“We’re your local, friendly broker”.
Some people might prefer to have a face-to-face discussion around their insurance needs. Please feel free to drop in and see us, but we do suggest that you call in advance to check that the person you’re most used to speaking to will be in the office.