Three Ways to Find the Best Insurance Agency for Your Needs

Before you start, have you considered your criteria for choosing the best insurance company for you, or were you just winging it and hoping things would work out. If so, why not keep these three suggestions in mind:

Three Pointers to Finding Your Way through the Insurance Maze

1. Though it may seem obvious, read both the Cover Summary and the Product Disclosure Statement (PDS) to get a solid idea of what the policy actually covers and what it does not. Understand what comes as standard with the policy and what you need to pay extra for - with some companies this aspect can really drive up the price of what initially seemed to be a cheap policy.
2. How does the company communicate with you? Is their site easy to navigate, is the information and PDS easy to locate, are the product descriptions clear and concise, and are you left in any doubt what your policy covers? Did you know by law it is required that insurance agencies use easily understood terminology in their policy documents so, if the company doesn't, think twice about dealing with them.
3. What backup and support do you receive? Are their contact details easy to find, do they provide 24/7 claims support and 24/7 support for their travel insurance including worldwide, reverse charge, emergency hotlines. Why not try picking up the phone and having a chat with a customer consultant. How friendly, helpful and knowledgeable about their products are they?

Only at this point should you seriously take price into consideration, after all, a dirt cheap policy that is not there when you need it and which doesn't live up to its promises is worthless and expensive at half the price.

1Cover are an online insurance agency specialising in the core insurance needs of travel insurance, motor vehicle and caravan insurance, home, contents and landlord insurance and life insurance providing you with solid, reliable cover - when and where you need it - at an affordable rate and backing up with great customer service.

It fact, within that brief paragraph we believe we have summed up the criteria on which every insurance agency should be judged - reliable, affordable, quality products and dedicated customer care.