Short-term insurance brokers make life easier

If you're considering taking a short-term insurance policy, you may have weighed up all the benefits that this brings, with the most obvious being security and peace of mind in the event of an accident or emergency situation. If you've decided to shop for the right plan without the help of a broker, you may be feeling slightly overwhelmed, pressurised, and unsure about whether you're on the right track or not. To take the hassle out of the situation, it is always advisable to use the expertise of a trusted broker who will not only guide you through the process, but also help keep your stress levels down.

With this in mind, let's take a look at the top 5 reasons you need a short-term insurance broker:

Takes the chaos away from comparing plans

Finding the right short-term insurance policy is time-consuming, especially if you're calling various insurance providers individually. This is where an insurance broker can help. A broker will contact various insurance providers on your behalf and request multiple plans. They will then guide you through all the plans available and help you choose the one that best suits your needs. Their job is to help you make a well-informed decision through clarity, guidance and knowledge.

Unpacks pricing for better understanding

Price also plays a big part in the policy you choose - but it is not as easy as comparing quotes and choosing the cheapest premium for you. Instead, you need to understand what you're paying for in relation to what you're covered for. You also need to be aware of any clauses in the policy which may result in you paying more than what you initially thought. An insurance broker understands how pricing works, they have the expertise to decipher which policy will offer the best value and cover so that you can make the right choice. What's more, brokers will guide you through underlying policy wordings so that you understand the contract and what you're signing. 

Steers away from unnecessary cover

In order to find the best suited policy at the best price, a broker will do a needs analysis to establish the cover you need. The analysis is based on a number of in-depth questions that you will need to answer. By doing this, you can rest assured that the policy you choose will be directly in-line with your requirements, and this means you don't have to pay for unnecessary cover or waste your premiums on a cover that doesn't benefit you.

Points to the right insurance company

A broker has insider knowledge about insurance providers and how they ethically conduct business. This is invaluable information when you are choosing a policy. A broker will let you know about the insurance providers you can trust and the ones with good customer service. With this in mind, they will also advise against those companies with a bad track record in paying out claims or those that are generally unethical. This allows you to make an informed decision about which company to choose. 

A life-saver through after-sales service

The biggest value of a broker is the after-sales service, particularly when it is time to claim from the insurance company. Besides helping you submit the claim, they will also help manage any disputes on your behalf as well as provide technical advice and help when you need it. 

At De Lucia Insurance Brokers and Financial Advisors (FSP No 4186) we combine years of industry know-how and helpful client service to assist you in choosing the right short-term insurance policy and help you resolve claims when the time comes. Contact us today to find out more: Michael De Lucia - 082 493 1089.