The benefits of using an insurance broker – my personal experience

Imagine this. You’re nearly packed and ready to go on a long-awaited family trip to Florida when suddenly a car crashes into the front of your house. This actually happened to me a few years ago just before our two week holiday.

It was incredibly stressful and overwhelming. We had to deal with a lack of front door, smashed windows and walls, and a quivering wreck of a dog – as well as the prospect of possibly having to cancel or delay our holiday. But our insurance broker was invaluable.

Here’s why I’d always use an insurance broker:

1. Expert knowledge and guidance
Brokers have extensive knowledge of the insurance market, assessing needs and sourcing the best cover. They have access to numerous products from various providers, some of which are not always available to the general public. And they aren’t tied to any one company so can obtain the best coverage at the best price.

2. Efficient claims handling
Brokers have relationships with insurance companies and know how to navigate the claims process effectively. Using a broker can reduce the stress and help you manage the situation more effectively – from handling the claim process to ensuring that you get fair treatment, they will take on the burden for you.

3. Support
A broker’s role is to work solely for you. Your best interests are always a priority whether they’re dealing with a claim or negotiating a renewal. Even as an industry ‘insider’ I know that using a broker is about trusting an expert that will save time, reduce stress and ensure proper protection.

So what happened to our house and our holiday?

Thankfully, the elderly lady who was driving the car was (amazingly) ok. We still don’t know to this day what caused her to take a sharp detour off a straight road and go into our house, but the claim was dealt with and taken off my hands by our broker which saved a huge amount of time and stress. I even had a replacement front door in time for my holiday. And yes, we got to go on our holiday to Florida.

But I know it would have been a completely different story if I hadn’t used a broker.

Would you know what to do if the worst happened? 

Risk less and speak to one of our experts today on 0118 916 5480.