The Advantages of Using an Insurance Broker

Insurance comparison websites have grown in popularity along with internet use – after all, they seem to offer quick, convenient ways of sorting out what can be a chore. However, are they really the best option, if you are looking for personal insurance policy or a commercial one, or would it be better to contact a broker?

Clover Insurance have been offering high-quality, competitively-priced insurance services for personal and business customers for more than 35 years. Here we outline five of the principal advantages of using an insurance broker.

Brokers Provide A Fuller Picture

Insurance brokers may be able to arrange a policy which won’t be available on many comparison sites, as many companies choose not to use them. Even if you approach insurance companies directly, you won’t always be told about all the different types of cover they offer.

Brokers, on the other hand, have an excellent understanding of the market. The result is that brokers can offer you a policy which is more likely to be tailor-made for your individual needs.

They Help You Avoid a Lot of Work

If you are unsure what sort of cover you want, then you can discuss your needs with a broker, rather than guessing what boxes to tick or what answers to give on an online form. And if you fill in all the details on a comparison site, often you will end up with scores of different quotes and insurers to choose from. A broker will help you to find the right quote for you.

And in the event of a problem, such as a claim, then an insurance broker may be able to help with the aftermath. For instance, they will be able to talk to claims departments and loss adjusters, saving you a lot of work at what can be an extremely stressful time.

They Represent You

An insurance broker is legally obliged to act in the customer’s best interests, so they must find you the policy which is best suited to your needs. An insurance company’s priorities, on the other hand, may be to promote a particular policy which may sometimes be more uncompetitive or not include certain key elements that you are likely to need.

Brokers are regulated and authorised by the Financial Conduct Authority so if you are not happy with the level of service you receive you have a full right of legal redress.

They Know a Lot About the Law

Experienced brokers like Clover Insurance need to keep abreast of changes in the law. This is because they offer commercial insurance as well as domestic properties, and so help to keep businesses and landlords protected, as well as private individuals. If you are letting out a property for the first time, they will be able to offer you cover which protects you, your tenant or tenants, and even the general public, if there is an issue with the building.

In the case of businesses, as well as offering cover for fire, theft and flood, and business interruption cover, where you will receive a payment for loss of earnings while you are out of business.

We Offer the Personal Touch

At Clover Insurance, you can be sure you will get a high-quality customer service. We will talk you through all the options and make sure you are happy with the level of cover we are offering before you buy a policy.

Commercial and Personal Insurance from Clover

At Clover Insurance we have helped arrange commercial insurance cover for a wide variety of businesses, including shops and office-based firms, as well as any fleet of vehicles or company cars they use. Customers also come to us if they are looking for personal insurance for their house or car.. If you would like to know more about our services, you can find all our contact details by clicking the link above.