We live in the digital age and all lead very busy and pressured lives so for many the idea of being able to use a House Insurance Comparison site when convenient to them, is on the face of it, an excellent solution to dealing with their Insurance requirements.
So, what is a House Insurance Comparison web site?
They are often viewed as on line Insurance brokers, merely because they offer a comparison of a range of different insurance quotes for the buyer to choose from. Being able to offer a range of quotations is really where the comparison with a professional insurance broker ends as the services of an Insurance Broker extend beyond quoting a premium.
What many people do not consider when using a House Insurance Comparison site is that you are acting as your own broker when you start to use the sites, for the following reasons:
- A house Insurance comparison site does not and is not allowed to offer any help and advice.
- Interpretation of the questions asked is down to you. There is nobody available to help and guide you if you are not sure how to answer a question. It must be remembered that the answers that you give form the basis of the Insurance arrangement and should you not answer a question correctly or truthfully, this may seriously effect whether a future claim is paid or not.
- Experience shows us that the majority of people are not sure of what amounts they should be insuring for, often undervaluing the amount of cover required. Again, with a House Insurance Comparison Site, you are left to make the decisions without help and assistance. The impact of making a mistake on these figures can have a serious impact on your life in the event of a claim. An Insurance Broker will provide help and guidance to help you arrive at the correct sums insured.
- Choosing the correct cover that you require is a decision left up to you when using a House Insurance Comparison site. It is left up to you to make the decision without help. An Insurance Broker will explain the different covers and advise you which ones you should be considering. Having the right cover is so important as getting it wrong could cost you a lot of money if you have an uninsured claim
- An important point to remember is that all Insurance policies are different and most buyers do not appreciate or understand this fact.. Some policies have additional, useful covers and others may have restrictions in cover that are not suitable to your particular needs. With regard to policy excesses, these can vary quite considerably and it is important to check these carefully. You should ask yourself, do you have the skill or the knowledge to decide which Policy or Insurer is better suited to you. Insurance Brokers are required ti discuss your specific needs and requirements and to provide a policy that specifically suits those needs. They are also required to explain the different policy covers and to highlight any restrictions or special features of the policies that they offer, especially if that policy does not meet the demands and needs of the customer.
- Policies available via a House Insurance Comparison site are often very competitively priced because the Insurers concerned have identified a particular segment of the market they like. This can be good for the buyer but if your circumstances change or you need to extend your cover, they are not very flexible and can often not accommodate these changes. Insurance Brokers are able to offer a much more flexible approach to your insurance requirements.
- We Insure in order to protect our belongings and to receive compensation in the event of a loss. This is the time when you need help and guidance and often somebody to help move things a long a little quicker. Insurance Brokers willingly do this as part of their overall service. At Greenfield Insurance Services, the person who sets the policy up for you originally will be your constant contact and deal with your claim if you should have one, helping to you through the processes at the time you need help most.
Insurance is a complicated and technical subject and at Greenfield Insurance Services the primary members of staff have in total, in excess of over 100 years Insurance experience and are trained to put the customer first, working to a 10 point customer charter, which forms part of our “Treating the Customer fairly” plan. We would ask you to consider seriously the points mentioned above next time you turn on the computer to search for a House Insurance Comparison site!
If you want to get the best house insurance for you, give us a call or contact us via our webform.
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