Insurance is one of life’s little inevitabilities for a great many of us, like booking your car in for an MOT, visiting the dentist, or filling out a tax return.
It’s one of those things that comes round and round, giving even the most spontaneous people an essential routine that can’t be avoided no matter how hard they try.
A lot of us will have a go-to MOT garage, the same dentist, or a trusted accountant.
But what about insurance? Has the internet become the default go-to “person” for arranging your car, home and travel insurance policies? It has for many, and it’s not hard to see why. There are no rewards for loyalty when everyone shops around, and so often the only way to avoid a hike in your premium after one year is to spend some time to finding out which provider offers a deal worth jumping ship for.
But it doesn’t have to be this way. You can have a go-to person, who is actually a real person, by contacting Chartered insurance brokers such as Hine Insurance.
It may seem strange, even outdated in the shadow of the internet and comparison websites, but a Chartered insurance broker really can help you get an insurance policy that is going to work best for you.
It may not always be the cheapest but, in terms of value, it could potentially offer a lot more in its protection, and you’ll be saved from the annual loyalty premium penalty for not responding to your renewal letter.
This is down to a number of reasons:
Our knowledge comes from experience, not criteria
As a Chartered insurance broker we know the market so, if you come to us with your requirements, the thought process on which provider or product to go with will be set in motion before you’ve even wrapped up the consultation.
We recognise you as a person, not a check box
There may be complications in your circumstances, but with check boxes there is no room for negotiation. As Chartered insurance brokers, however, we’ve spent a long time building strong relationships with a number of providers, so have the power to negotiate on your behalf for a policy that’s ideal for you but possibly beyond your reach otherwise.
We don’t just fetch, we create
How many results do you get when you put in your criteria online and click “go”. Probably dozens. But how many of those actually offer what you need? Probably very few.
You may go for a home insurance policy where you’re only looking for £10,000 contents cover but getting a minimum of £50,000 on the closest matching, cheapest policy, in which case you’re already paying for something you don’t need.
The careful consideration we give to each client means that you won’t end up overpaying on cover you don’t need. If this means piecing together a policy with different products, then that’s what we’ll do.
The final say is still yours….
As Chartered insurance brokers we’re intermediaries who will advise, not instruct. So you provide information about yourself that can help us find a number of options to suit you, ask any questions, and air any concerns, but the decision of which policy to go for ultimately lies with you.
…But the decision will be easy
When faced with your options, we’ll explain the pros and cons in ways you can understand, which will save you the time trying to translate a lengthy policy document full of industry-related terminology.
We’ll handle the crisis admin
As Chartered insurance brokers we will support you in the event of a loss so, if you need to make a claim, ring us as soon as possible, give details of the circumstances, and leave it to us to negotiate your settlement from your insurance company, in a process that’s as quick and painless to you as possible.
We keep you posted
That doesn’t mean sending you a letter or email at renewal announcing that your new premium has quadrupled. It means contacting you to see if there are any changes in your circumstance to make sure your protection is still fit for purpose, and still competitive in price. It also means keeping you updated on relevant insurance issues over the course of the year.
To find out how you could benefit from your own go-to insurance person, give Hine Insurance a call on 0161 438 0000.