Direct brokers nz
In personal and business matters, the correct insurance is vital. Wrong or inadequate protection can lead to disastrous consequences for individuals, families or businesses. The right advice makes all the difference and prevents costly mistakes. Insurance brokers are specialists in insurance protection.
They are independent, have an indepth working knowledge of the insurance market, are able to provide professional objective advice on identifying risks and exposures, and recommend cost effective solutions.
Insurance brokers are instructed by you, and at all times, act on your behalf. They are not agents of the insurance company. Their independence ensures that you benefit from the convenience, knowledge, choice, innovation and their high level of professionalism: A commission is the most common form of payment by the insurance company to the broker who places your business.
This commission is paid for the work the broker carried out, including documentation etc. A broker administration charge may also be charged. If this is the case, a notation to this effect will show on the invoice.
Insurers have to pay for administration by their own staff, and many direct sellers incur heavy advertising costs, so you wont necessarily find it cheaper to go direct to the insurer. Not all policies are the same so you would have to telephone or call around at about eight major companies to get an impression of what is available. Brokers are often able to get more competitive prices for insurance because they handle much of the administration for the insurer, and because they place a volume of business which earns them cheaper prices, which they pass on to you.
Brokers select the most suitable cover for your particular needs which may not always be the cheapest. They are able to tailor protection programmes to your requirements and they can often achieve results which you could not achieve as an individual.
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