As an insurance agency we provide independent advice and broker a wide range of personal insurance policies. There are many different types of insurance agencies; some provide services for a wide range of products where others specialise in a niche such as insurance for yachts or horses.
As personal insurance specialists we focus on finding you the affordable health insurance and life cover you require whether it be a single policy or a family plan to protect you and your loved ones. We simply want to make your life easier, making insurance simple and affordable.
So what can you expect? If you don’t happen to be an insurance expert then using an insurance agency you can trust can pay dividends. Take us for example, we provide free financial advice as part of the service, we have bulk buying power thus you can benefit from cheaper rates than going direct and we look after the application for you.
Regardless of whether you wish to use an insurance agency or not it is important to do some initial research, utilise the resources the web has to offer and get to grips with the terminology, the types of cover available and key things to look out for. Having a good foundation of knowledge will both help you if you decide to buy direct and strengthen your relationship with your adviser if you choose that root.
Insurance agency providing free independent advice
If you choose to use an insurance agency make sure they are independent, some brokers can be tied to a specific insurer or group of insurers and would not be able to provide truly impartial advice. We, like many other advisers are independent and are thus in a position to advise on and recommend policies from the whole of the insurance market. As we can review the whole marker we have the benefit of being totally impartial so our complete focus is on what is best for you.
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If you consider going direct yourself, you have the same benefit, you do not have loyalties to any insurer, you can simply choose the policy that offers the right cover for you at the best price. Whatever insurance you are looking for it is important to get quotes from a range of insurers, they will all price their products differently which means one provider may well look at you more favourably than another and offer you lower premiums.
Shopping around for a policy ensures you a competitive price; it also gives you a glimpse of the type of service you could expect to receive from the insurer. We tend to go to 10 or so providers when we quote for a policy and knowing who quotes favourably for certain demographics we will always be able to ensure you very competitive premiums.
It is important if you do choose to use an insurance agency that you ensure they are regulated by the relevant bodies; most will have this stated on their website. We are regulated by the Financial Services Authority to provide insurance advice on a wide range of products from life and health insurance to travel and home insurance.
An insurance agency providing true advice should discuss with you, your situation and policy requirements, only when they understand your needs can they begin to discuss the products that might fit the bill and look to quote to find you the most competitive price.
Being experts in personal insurance we aim to help you make an informed decision when it comes to choosing an insurance policy. We want to help you understand the products available, the cover they provide and the limitations they might have so you have a very clear understanding of the product you are buying.
We know the quality and competitiveness of the insurers and their products and therefore the advice we provide will always be to select the most competitive policy that best suits your needs from the whole of the market. We want to make your life easier, given our knowledge base and relationships with the providers utilising our expertise can save you both a lot of time and money.
We want to ensure you are confident in the decision you make and have the peace of mind that your policy meets your requirements.
Saving you money, yes everybody likes to hear this one. As an insurance agency broking policies every day we have the benefit of bulk buying power with the insurers which means we can often obtain cheaper premiums than you can going direct to insurers. Not only do you get free advice from an expert to ensure you are getting the right policy for your needs but you also get the benefit of lower premiums than if you were to do the leg work yourself.
We understand you don’t want to be trawling through never-ending application form, completing your life story so we have set-up relationships with all the leading insurers to make buying a policy as simple as possible for you.
In many cases we have been able to simplify the application process to just a short telephone call to answer a number of health and lifestyle questions.
Whether you go it alone and take on the insurers yourself or choose to use an insurance agency is do your research, swat up on the basics and be clear on exactly what you require. To get a good grounding you should take a look through the many guides our site has to offer, they will take you through the terminology, the things to look out for and provide tips of finding the best cover.
There are a range of consumer insurance guides to be found on the BBC’s website as well as the Directgov site providing a good foundation to insurance.
