Why buy your insurance through a broker

Where our commission comes from

This is the first question that deserves a straight answer.

Broker commission is paid by the insurer and is already built into the tariff whether you buy direct or through us. Our presence does not add to your premium, but it does add to the number of offers you see and the leverage to negotiate them. And if the offer you already hold is better than anything we can source, we will tell you so.

What we actually do

• Standardising the specificationWe send identical specifications to several insurers, because comparing two offers written on different terms is meaningless.
• Reading the wordingWe set out limits, deductibles and exclusions in a single readable table.
• NegotiatingWe negotiate on price and on terms. Sometimes removing an exclusion matters more than shaving the premium.
• Issuance and follow upWe complete issuance and payment and keep a copy of your policy on file for when you need it.
• Managing the claimWe review the file before submission and chase the claims department through to settlement.
• Renewal reviewWe alert you well before renewal and re market the risk rather than letting it roll over blindly.

Where we cannot help

So the picture is complete.

• We cannot remove an exclusion that every insurer refuses to lift.
• We cannot guarantee acceptance of a claim that falls outside the policy terms.
• We do not offer life insurance. It is outside our specialisation.
• We will not push you to change insurer if the terms you already hold are excellent.

The comparison in short