An insurance brokerage is characterized by its independence, that is to say, by the inexistence of any link with any insurance company. This allows it to guarantee the objectivity of its proposals and the best possible quality-price ratio. Today we will see all the advantages of having insurance in a brokerage with experience in the sector.
Differences between brokerages and other insurance providers
Independence is a differential factor with respect to exclusive agencies and exclusive bancassurance operators who, simply because of their dependence on the company, only have one product that they can offer. Therefore, they lack the “objective analysis” that the brokerage company performs on its policyholders. This analysis consists of the brokerage’s obligation to study a policy in several companies.
The same happens when contracting directly with insurance companies: they only offer you their product and nobody helps you in the defense of your rights in the event of a claim.
In this post, we talked about the differences between contracting our insurance with a brokerage or subscribing with the bank.
In addition, there are training requirements imposed by the Insurance Mediation Act on brokerages and their employees. These training hours are higher than those of other providers, so their technical knowledge is usually better.
Economic advantages of dealing with a brokerage firm
Not only do we find a wider range of companies to access and a better knowledge of the sector. But, at the same time, the price offered by the insurance brokerage is better than the one that could be achieved by going directly to the insurance companies.
The reason is simple: by selling a high volume of policies, the company enables these brokerages to give commercial discounts. These can reach up to 50% in some cases. We are talking about: life insurance, community insurance, home insurance,…
Defense of the insured’s rights against the insurer
But, above all, what a brokerage company should offer is a good after-sales service.
When a claim occurs, is when the contracting of a policy of guarantees is really appreciated, and when the confidence that the client places in the brokerage company must be made worth.
For this reason, we have a professional and qualified claims department. With it, we try to offer the peace of mind that your claim will be well managed, quickly and efficiently.
Is this possible in a policy contracted directly with a company or with an online company? The truth is that it is more difficult, since they are the ones who are going to have to pay the claim out of their own pocket?
Our job is to ensure that what is stated in the policy is respected and that they cannot exclude a claim unjustifiably. Likewise, we make sure that not a single euro less than what the client should receive is paid.
Contact us and check these advantages both in price and service provided. You will find the best insurance with a great service. We always focus on our customer.
