What is the difference between a broker and an insurer?
The insurer issues the policy and carries the risk. The broker represents you as the client: sourcing offers from several insurers, explaining the differences, and following your claim. The policy is still issued in the insurer name, but we work on your side of the table.
Do I pay more by buying through you?
No. Broker commission is paid by the insurer and is already built into the tariff whether you buy direct or through us. In practice the ability to compare and negotiate usually lowers the final cost.
How long until I receive a quotation?
Motor and travel are usually same day. Group medical and commercial covers take two days to a week depending on the volume of information and whether a site survey is required.
Do you offer life insurance?
No. We specialise in general insurance only: motor, medical, travel, property, engineering, marine, liability and personal accident. Life insurance is outside our scope.
I have a live policy with another company. Can I move?
Yes. You can transfer administration of your policy to us as broker, or wait for renewal. Send us a copy of the current policy and we will review it and tell you honestly whether the terms are good, even if the answer is to stay where you are.
Do you serve companies and institutions?
Yes, and it is a large part of our work: group medical schemes, vehicle fleets, fire and property, liability, and contractors risks. We build a full insurance programme and review it with you each year.
If something happens, will you help with the claim?
Yes, and it is the most important part of our role. We notify the insurer within the deadline, prepare and review the documents before submission, coordinate with the loss adjuster, and follow through until settlement reaches you.
Why do prices differ so much between insurers?
Because the offers are often not written on the same specification. The difference comes from limits, deductibles, exclusions, the repair network or the hospital network. That is why we standardise the specification before going to market.
Can I pay the premium in instalments?
Some insurers allow it on certain policies and under certain conditions, particularly on commercial covers. We ask as part of the quotation and set out the difference in total cost.
What happens if I renew late?
Cover stops when the policy expires, and any incident after that falls on you. In some classes a gap costs you benefits such as the no claims discount. This is why we remind you well before renewal.
