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You CAN find bespoke insurance cover that is personalised to your needs – it could even save you mon

Added: (Mon Sep 03 2018)

Pressbox (Press Release) - If you are in the market for an insurance policy, especially if you need to insure something unusual or need insurance for a specific commercial need, then it is a good idea to consult an insurance broker.
Even if you need a common form of insurance such as Professional Indemnity or Motor Fleet, an insurance broker can often find you the best level of cover to meet your needs while still keeping your premiums to a minimum.

Comparison websites are not always the best solution
Because of clever and consistent marketing (usually via TV and radio) most people immediately think of turning to comparison websites for their insurance, but this isn’t always the best way and the policies on offer tend to be fairly generic.
If you want a policy that meets your needs and ensures you are covered you are probably better to contact an insurance broker.

Advantages of getting your cover from an insurance broker
You will get the right level of cover you need: You won’t always be offered every type of cover available when you go directly to an insurance company. Brokers can help identify the types of cover available from the insurers they work with to identify a policy that is right for you.
The expert advice and guidance an insurance broker provides doesn’t cost you any more: Purchasing the right insurance for your needs can be tricky if you don’t know what to look for. An insurance broker will be able to advise as to the correct cover for you based on the questions they are trained to ask you… questions that you wouldn’t think to ask yourself.
You can find bespoke cover that is personalised to your needs: As mentioned in the previous point, a broker will ask you about your circumstances to find you the right policy. They will also be able to inform you if any existing policies you already have provide the cover you need so you don’t overlap and purchase cover you don’t need. This will enable the broker to compare prices and features on different policies which means they can often be more flexible on price than a comparison website.
Not every type of cover available to you is on offer on a comparison website: You may not find specialist cover on a price comparison website. Any form of commercial insurance cover requires an insurance professional to assess the risks involved. Purchasing a policy without getting an insurance broker’s advice beforehand can leave you with a policy that doesn’t fully cover you if you need to make a claim.
Your claims are taken care of: Your insurance broker will speak to loss adjusters and claims departments on your behalf, so you don’t have to. Insurance brokers such as Caunce O’Hara have their own highly experienced claims department who are available for you to contact directly.
This means your claim will be handled by a qualified professional who will ensure your claim is processed as quickly as is feasible. This also allows you direct access to your claims manager rather than being passed around different departments in a call centre before you can be updated as to the status of your claim.

The added value of consulting an insurance broker far outweighs the hassle you can experience otherwise.

Submitted by:Phil Ainley
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