THE NEED FOR POLICY HOLDERS TO CONSULT INSURANCE BROKER IN EVERY INSURANCE CONTRACT
Finding the right level of insurance cover can be a time-consuming and expensive task.
If you’re keen to find a better deal, or you’re unsure of the level of cover required, an insurance broker could be right for you. And can free up your time to do what you enjoy!
Insurance brokers are experts in the market and have a talent for finding the best cover at the best price!
If you’re shopping for unusual insurance products that you have limited knowledge of, brokers can use their knowledge and experience to advise you on a suitable level of cover.
Brokers are independent and work with a carefully selected group of insurers that they have regular contact with and are usually able to secure exclusive deals.
Using a broker doesn’t cost more than going direct.
Brokers are paid a commission by the insurance provider for selling their products so you shouldn’t need to pay an additional fee on top of your premium.
It’s important that no insurance jargon goes unnoticed. A broker is responsible for ensuring any optional extras or cover not included within your policy are clearly disclosed to give you a clear understanding for the level of cover being offered.
For niche insurance requirements find a specialist provider. Comparison sites, or going direct, aren’t obvious mediums for identifying any essential items excluded, such as income protection or breakdown cover.
It’s also difficult to arrange bespoke cover for high value or collectable items, but brokers are likely to have insurer relationships in place to obtain a personalized quote.
Not only is your broker there to see you obtain the best deals available on the market, but any claims are dealt with via your broker to save you the hassle and worry, through what can be a difficult and frustrating process.
AT FIRST CORNERSTONE INSURANCE BROKERS LTD “ we are ready to serve at no extra cost”
Why use a broker?
At First Cornerstone Insurance Brokers Limited we know practice and enlighten that an insurance broker can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, a qualified broker can do the same with your insurance.
Insurance can be incredibly complicated to fully understand, and an insurance broker can help you understand the details of a policy and also work out what level of cover you need so that you are properly protected.
Using a broker doesn’t necessarily cost more. Often it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. In addition, because insurance brokers deal with a range of insurance companies directly, sometimes they can access policies that are not available to most consumers.
If the worst happens and you do have to make a claim, a broker will act on your behalf, liaising with the insurance company to negotiate the best possible outcome for the client. So whether it’s home, car, life or business insurance, brokers are the best, most trusted source of advice available to make sure you are properly protected.
Our focus is to offer your business the best choice to succeed. With our solid financial base, in-depth knowledge and professional expertise, we provide reliable insurance brokerage service for every aspect of your business.
While we offer all classes of Insurance, we are able to “tailor” specific insurance that would suit your Company’s requirements viz:
- Oil & Energy
- Fire and Special Perils
- Burglary/House Breaking
- Cash-In-Transit
- Goods-In-Transit
- Workmen’s Compensation
- Public Liability
- Marine
- Travel Insurance
- Contractor’s-All-Risk
- Automobile Insurance
- Fidelity Guarantee
- Group Personal Accident Insurance
- Personal Accident
- Machinery Breakdown
- Plant All Risk
- Electronic Equipment
- Professional Indemnity
- Group Life/Staff Retirement Benefit Scheme