Insurance is one of life’s little inevitabilities for a great many of us, like booking your car in for an MOT, visiting the dentist, or filling out a tax return.

It’s one of those things that comes round and round, giving even the most spontaneous people an essential routine that can’t be avoided no matter how hard they try.

A lot of us will have a go-to MOT garage, the same dentist, or a trusted accountant.

But what about insurance? Has the internet become the default go-to “person” for arranging your car, home, and travel insurance policies? It has for many, and it’s not hard to see why. There are no rewards for loyalty when everyone shops around, and so often the only way to avoid a hike in your premium after one year is to spend some time to finding out which provider offers a deal worth jumping ship for.

But it doesn’t have to be this way. You can have a go-to person, who is actually a real person, by going to pay a visit to your local insurance brokers, such as Watkin Davies Insurance Consultants Ltd.

It may seem strange, even outdated in the shadow of the internet and comparison websites, but an independent insurance broker really can help you get an insurance policy that is going to work best for you.

It may not always be the cheapest, but it terms of value it could potentially offer a lot more in its protection, and you’ll be saved from the annual loyalty premium penalty for not responding to your renewal letter.

This is down to several reasons:

Their knowledge comes from experience, not criteria

An insurance broker knows the market, and has the knowledge. Having gained an understanding of your needs , we know where to go to ensure you have the right product at the right price. We can do this for you in one consultation.

They recognise you as a person, not a check box

There may be complications in your circumstance, but with check boxes there is no room for negotiation. An insurance broker, will gain a full understanding, ensuring the insurer is fully aware of your circumstances. Having built strong relationships with several providers, we have the skill and knowledge to negotiate on your behalf for a policy that’s ideal for you, that maybe beyond your reach otherwise.

They don’t just fetch, they create

How many results do you get when you put in your criteria online and click “go”. Probably dozens. But how many of those offer what you need? Probably very few.

You may need a policy for a minimum sum insured, as an example, looking for a contents sum insured of £10,000, the closest match is 50,000. You could be paying for more than you need.

As a trusted Insurance Broker we ensure each client is considered individually, ensuring the product is the right product for them and reducing the risk of paying a premium for the cover that is not required.

The final say is still yours….

Insurance brokers are intermediaries who will advise, not instruct. You provide information about yourself and the risk and we have find a number of options to suit you.

…But the decision will be easy

When faced with your options, an insurance broker will explain the pros and cons in ways you can understand, which will save you the time trying to translate a lengthy policy document full of industry-related terminology.

They’ll handle the crisis admin

Many insurance brokers have an in-house claims support team, so if you need to make a claim, you ring them as soon as possible, give details of the circumstances, and leave it to them to negotiate your settlement from your policy provider, in a process that’s as quick and painless to you as possible.

They keep you posted

That doesn’t mean sending you a letter or email at renewal announcing that your new premium has quadrupled. It means contacting you to see if there are any changes in your circumstance to make sure your protection is still fit for purpose, and still competitive in price.

That’s the kind of go-to-insurance person that everyone could benefit from. Why not discover yours in your local broker, Watkin Davies Insurance Consultants Ltd.

So call us today on 02920 626 226 or email insurance@watkindavies.com to see how we could help you or your business.