Why should you use an insurance broker over comparison sites?

Broker vs Comparison Sites

In a digitally driven age and our busy lifestyles, insurance probably isn’t at the forefront of your mind. So, when it comes to buying insurance, you might be more inclined to choose the simplest and cheapest deal with an online price comparison site and not really knowing if you have the right cover in place. More often comparison sites offer generic policies that are written for a mass market, with limited, stripped-down cover and high excesses, so you end up with the best possible price but with the least amount of cover.

As a Chartered Insurance Broker, we’re insurance experts, our knowledgeable team will still be able to shop around for the best deal.  We can give you clear advice unlike comparison websites, with no jargon so you have full peace of mind that your properly protected. As a broker we’re considered lower risk for gaps in cover or underinsurance by providing clear, expert advice. We could also be the difference between a claim being paid unlike an online comparison site policy that could fail to protect you. We’ll take the time to thoroughly get to know your needs, so you won’t run risk of being just another number in a computer, saving you time and allowing you to get back to doing what you do best. In most instances we’re able to deal personally with the same customer whenever possible, which is rarely the case with using direct operations with call centres.

By using a broker you’re not left to rely solely on yourself to make sure you’ve covered everything you may need. Particularly if your needs are more specialist and complex, it would be very difficult to tailor any specific needs that might be a bit different without using a broker.  A thatched property, history of subsidence, previous flooding, or a business requiring specialist cyber cover, you need different and at Higos, we love different. We’re not tied to any one insurer, our experience, market knowledge and reputation allow us to access a broad range of products from over 280 leading and niche insurers. Always making sure you get the protection you need, without paying for cover you don’t.

Support when you need it most

We realise you buy insurance for peace of mind, so if something goes wrong, you’ll be looked after. This is probably the best reason to use a broker! By having an insurance expert there to guide you and liaise with your insurer when you need to claim can be highly underestimated. You won’t find yourself on the phone with a dreaded call centre. At Higos, we’ve built a friendly in-house personal claims team to provide a prompt, speedy and reliable response to a claim. We understand the technicalities of your policy inside out, we’re on your side to help you through what can be a tricky and time-consuming process. The last thing you need is for an insurer to dispute a claim, causing disruption to your business or a well-earned break. We give you complete peace of mind, reducing any hassle, something you won’t get by going direct to an insurer, or by an online price comparison website.

For advice you can count on, excellent risk assessment, award-winning underwriting and exceptional claims management all tailored to you, it has to be Higos.