We’re very used to helping people understand their car insurance! As smash repairers we deal with insurance companies all day, every day, and we’re always happy to help our clients untangle their policies and claims.
But while we can help you understand your policy and give you the information relating to your claim, one thing we can’t do is give you professional advice on which policy to take and what else is available – that’s where an insurance broker can help.
But what is an insurance broker?
Imagine someone who knows your vehicle(s), your financial situation and your risk profile, and can access and compare dozens of the best insurance policies from any number of insurance providers to suit your exact needs. They factor in the premium, the cover, changes in the insurance market and any special considerations (for example if you’re insuring a fleet of business vehicles) to find you the absolute best policy. They make sure you understand your policy, they handle your application and they’re on hand to take care of any claims.
That’s an insurance broker. Like any broker, they act as an intermediary between their clients (you) and a service provider (insurance companies). They’re not insurers themselves so they’re always acting in your best interests to make sure your policy is a perfect fit for you and your vehicle. Better, they have strong working relationships with insurers and underwriters so they can often secure a better price for insurance products, particularly for business vehicles and more complex policies. For the same reason, claims made through a broker are generally much smoother and quicker – and like the team at Como Panel & Paint, they’re always interested in getting the absolute best repairs for their clients, not just the cheapest ones.
But what you’ll probably notice most of all is the peace of mind you get when dealing with an insurance broker. There’s no guesswork and every ‘what if?’ has been considered – even the ones you didn’t know about. So you’re not only dealing with an expert in the insurance industry who’ll get the best-fit policy for your needs, you know that if and when it comes time to make a claim, there’s somebody who can help – and they’re working for you!