Why Use A Local Insurance Broker?

Why Use A Local Insurance Broker?

If there’s one thing lockdown has brought home to us all, it’s how much we value local businesses. A recent survey from American Express found that 59% support local businesses more than they did pre-lockdown. Convenience, supporting the local economy, fear of losing them and getting face-to-face service and advice were all cited as reasons for this rise.

Whilst the reasons behind this surge in positive sentiment apply to most local business, it’s arguable that this applies to insurance broking more than most. Once a fixture of the high street, the rise of price comparison websites and some big brands’ decisions to close their offices in favour of an online-only offering, has made them scarcer and the retail landscape poorer.

A good independent insurance broker is so much more than just somewhere to get a car insurance quote; it’s an accessible source of help, advice, and local service. A typical Coversure office, for example, is staffed by specialists who know the risks you face and the local area, and can give you the sort of in-depth help that a no end of mouse clicking cannot match.

Since the outbreak of COVID-19 and the disruption that has ensued, we’ve actually seen an increase in the number of people using our services. As appreciation of community-based businesses like ours has grown, so more and more people have sought to take advantage of the benefits companies like ours can offer. But what are these benefits and how can your local insurance broker help you? In this blog we’ll countdown the top five reasons why using your local insurance broker makes sense and how helping them can help you savetime and money.

5 Reasons Why You Should Use A Local Insurance Broker

  1. Local Service

Convenience is a wonderful thing and in thousands of ways the internet has made getting things easier and more convenient. When it comes to something as service-driven, technical, and essential as the right insurance, the internet can, perversely enough, actually make things more inconvenient. Many policies – fleet insurance or liability insurance for example – can require plenty of detail and even the presentation of documentation. In cases like this, you can find yourself filling in page after page of online forms only to be told to call a number to speak to someone in a call centre! A visit to your local Coversure office will allow you to have a face to face conversation with someone who can get you what you need quickly and without fuss or frustration.

And should you need to make a claim or have a claim made against you, then there’s nothing like the convenience of being able to pop down the road to your local office or have your local broker come to see you.

  1. Price

When asked why people choose to get their cover through a price comparison site, the answer is often, ‘It’s cheaper online’. Is it though?

Paid ads on price comparison sites may look competitive but are they giving you the level of protection you need? Who is underwriting the policy that’s being offered – and will they be there when you come to make a claim? In recent years we’ve seen a number of smaller, often offshore, insurers go bust leaving customers without cover.

And let’s not forget that by doing the shopping around yourself rather than leaving it to a professional broker, has an additional cost: your time. Time is precious and when it comes to saving on insurance, why not let someone who has specialist knowledge and contacts do it for you?

  1. Advice

Insurance can be a complicated business – especially when it comes to your business or your property – and getting the right advice can save you a fortune in the event of a claim. Let’s take property insurance as an example. Did you know that 82% of UK properties are underinsured? No? Most people don’t – even a lot of professional landlords don’t – otherwise they wouldn’t run the risks that being underinsured can bring. Your local insurance broker will be able to advise you as to what the correct level of cover is and help ensure that your property dream doesn’t turn into a nightmare…

Generally speaking, Coversure’s offices are small businesses run by local entrepreneurs aiming to serve other local businesses and private customers. This means they understand both your needs and the local area. So whether you live in Brighton and need bungaroosh cover or in Kidderminster and are looking for carpet cleaner’s protection, Coversure has you covered.

  1. Support the Local Economy

Your local independent insurance broker is likely to be owned and run by a member of the community – it’s certainly the case with most Coversure offices as we have said. Supporting them allows you to boost the local economy, support employment and keep an important local amenity going.

  1. Flexibility

If COVID-19 has taught us anything, it’s that the world can be a volatile place. New threats are appearing all the time and between the pandemic, the surge in cyber-attacks and the rising tide of flood risks in many areas, it pays to know someone has your back. An independent broker such as us can not only help protect you from the risks you know about, but the ones you don’t, and can help you keep your cover updated. It’s all part of the service.

Your Local Insurance Broker: Here to Help

So, if you need to protect what matters to you or if you’d like some independent insurance advice from a trusted source, then talk to your local Coversure broker. With their specialist knowledge, access to a wide range of policies from leading insurers and their willingness to listen, they’ll give you everything you need.

Contact Your Local Coversure Office

If you’d like some help, advice, or a competitive insurance quote, then please contact your local Coversure office.

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