Insurance brokers are experts in the market and have a talent for finding good cover at a good  price!

If you’re shopping around for insurance products that you have limited knowledge of, brokers can use their knowledge and experience to advise you on a suitable level of cover.

Brokers are independent and work with a carefully selected group of insurers that they have regular contact with and sometimes they able to secure exclusive deals.

Using a broker usually doesn’t cost more than going direct. Brokers are paid a commission by the insurance provider for selling their products so you shouldn’t need to pay an additional fee on top of your premium.

It’s important that no insurance jargon goes unnoticed. A broker is responsible for ensuring any optional extras or cover not included within your policy are clearly disclosed to give you a clear understanding for the level of cover being offered.

For niche insurance requirements find a specialist provider. Comparison sites, or going direct, aren’t obvious mediums for identifying any essential items excluded, such as income protection or breakdown cover.

It’s also difficult to arrange bespoke cover for high value or collectable items, but brokers are likely to have insurer relationships in place to obtain a personalised quote.

Not only is your broker there to see you obtain the best deals available on the market, but any claims are dealt with via your broker to save you the hassle and worry, through what can be a difficult and frustrating process.

When life is so busy and you need expert help, choose an insurance broker. In Guernsey, the broker we use is:

Clegg Gifford – www.cgguernsey.com