In a world where people have increased access to technology and aggregator software, homeowners often assume that by cutting out the middle-man, they will benefit when purchasing insurance.
This may be true for smaller properties with lower sums insured, where premium is the prime factor in selecting an insurance provider. However, for mid and high-value homes, it makes sense to use an experienced insurance broker.
The benefit of using a specialist broker like Insurance Tailors is that we can often obtain discounts from underwriters that you would have not thought possible. We have good relationships with underwriters who trust us, which often means we can negotiate a lower price than a client who might approach them directly or via an insurer website. Some insurers will only speak to brokers.
We deal with policies, underwritten by quality insurers, with good financial ratings thus offering you an overall better standard of cover. The mid and high-value home policies that we offer are “All Risks”. This means that all eventualities are covered, (except those specifically excluded,) making it difficult for an insurer to decline a claim. We can help advise you with regards to your sums insured or even find you an insurer to provide a property survey.
Simplicity and peace of mind are some of the main reasons to use a broker. How much do you value your time? We will take the effort of finding suitable insurance away and be your trusted insurance guide. We help at the policy inception and renewal as well as when you need to make changes. We also connect in a way that’s most convenient for you.
Contrary to what some money saving websites might have you believe, cheaper is not always best – which unfortunately is often evident if you need to claim. Small claims can be straightforward, but in the event of a flood, fire or escape of water in your high-value home, we will act as your point of contact and walk you through the claims process.
In summary, a broker can help you find the correct insurance cover for your specific needs, provide general insurance advice and help in the event of a claim.