Insurance quote

Searching online for the best insurance quote can be extremely time consuming and quite a tedious task. We highly recommend the use of a broker for all your insurance needs since they can search for quotes from a panel of different insurers and provide you with a choice based on premium, excess and terms. Many fall under the misconception that using a broker may result in their quote being a higher premium than if they were to go direct to the insurer, this is usually not the case since brokers can negotiate premiums on your behalf and usually receive preferential prices in return for administering the policy.

The benefit of searching online for your insurance quote is that most insurers and brokers now have automated systems in place meaning you can enter the details of your quotation yourself and see the results directly and make modifications as needed. With the increase in automated systems in the insurance industry some say this has reduced human interaction and therefore allowed for a decrease in insurance premiums.

Nearly all insurers and brokers will offer a free insurance quote online, unlike many years ago when obtaining a free quote was considered a bonus. We highly advise you only place your insurance with companies which are authorised and regulated, this will allow you to make a complaint about the insurer should you feel you have been treated unfairly.

When applying for your insurance quote you will need to provide details about yourself, your business, any claims history and obviously specific details which relate to the risk itself. You may find that if you have had claims in the past that your insurance premium is higher than if you had never made a claim.