What is an insurance broker?
Put simply, an insurance broker is an intermediary between a client and an insurance company.
Advantages of using an insurance broker
Getting expert advice does not cost you more.Like comparison sites, they get paid commission by the insurance provider for selling their products so you don't pay them a fee for shopping around to get you a good deal. Unlike comparison sites they have specialist expertise and can give you advice on the products that best suit your needs.
Know your options.Insurers won't always offer you every type of cover when you go directly to them. Brokers can help point out the types of cover available for the insurers they cover and help you work out what you need.
Find the right product for you.A broker will ask you about your personal circumstances to find you the right policy. They'll also be able to tell you if you're already covered by your existing insurance policies so you don't overlap, and they will often get you a good deal by comparing prices and product features. They can also be more flexible on price than comparison sites.
Find a specialist provider.On comparison sites you might not find cover for things – like income protection or critical illness – that need to be tailored to suit your needs. You also won't find special or bespoke cover on there, so if you want to insure something unique like a high-value antique or a collection, a broker will know where to go.
Your claims are taken care of.If you need to make a claim, your broker may speak to loss adjustors and claims departments and do as much as possible for you so you don't have the hassle and worry.
However, at A-Plan, we believe we do much more than "broker a deal"We offer:
- A real person that you can talk to which provides continuity in your dealings with us
- Qualified expertise and advice
- A local high-street presence
- In-house claims support
And we are more than impartial – we are on your side. With our long-term relationships with insurers, we are in a position to negotiate the claims on your behalf.
Who are you regulated by?A-Plan Holdings is Authorised and Regulated by the Financial Conduct Authority (FCA). You can confirm our registration on the FCA website, www.fca.org.uk/firms/systems-reporting/register/ or by contacting the FCA on 0800 111 6768.
Do you have to be qualified to be an insurance broker?No you don't. However, all our advisors take the CII Certificate of General Insurance in their first year of working with us.
How is A-Plan different from other insurance brokers?We provide the personal touch that's so often missing from today's comparison websites and call centres. We've been doing this since we were founded in the 1960s and over half a million policy holders now come to us for just about every kind of insurance. Don't take our word for it though: A-Plan Insurance is rated 4.78 stars by Reviews.co.uk based on over 1000 reviews.
How will I know I get a fair price?We promise to get the best quote for our clients – both in terms of price and cover. We are completely independent and impartial and can, therefore, always act with our clients' best interests at heart.
What happens if I need to make a claim?We will be on hand to guide you through the whole process. You will be able to talk to a claims adviser in your local branch and they will be able to negotiate on your behalf.