Why use an insurance broker?
An insurance broker can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, a qualified broker can do the same with your insurance. A direct insurer will not offer you advice they will simply recommend the product they sell, how do you know this product is right for you? An insurance broker’s foremost duty is to his or her client. An insurance broker works for you. That’s the reason.
What insurance policies do I need?
This depends on the type of business you are in. New insurance policies are being developed constantly as the world and the risks you face change. Insurity's team undergo regular training and remain abreast of all developments within the industry, so they are well placed to regularly review your risk areas and advise accordingly.
Should I just buy the cheapest policy?
Insurance policies can be very complex, and the cheapest policy will not always meet all of your needs. Sometimes what is left out of a policy is as important as what is included, and the cheapest option may omit a risk that you cannot afford to carry yourself. Whilst price is definitely an important factor, the whole point of insuring yourself to protect yourself. So it's more important to have the right cover.
How do I know what insurance companies to trust?
Most insurance companies operating in Australia are financially sound and the regulatory body, the Australian Prudential Regulatory Authority (APRA), maintains strict controls to ensure this continues. Your broker is trained to further assist in ensuring the insurer with whom your business is placed performs to the standards you would expect.
How do I make a claim?
Lodging a claim is relatively straight forward. You simply need to call us on (07) 5406 0289, or Contact Us. Our claims team is trained and more than happy to assist in the claims process to ensure you receive everything you are entitled to. You should make contact with them as soon as possible after a loss event occurs, so that no time is lost.
Why did I recieve a Financial Services Guide (FSG)?
A Financial Services Guide (FSG) must be given to a potential client by a licensee (or an Authorised Representative) as soon as practicable. It sets out information in regard to how we do business. It documents the standard basis on which we act for the client, provides all statutory notices and other information required by law and explains how we will handle your business.
I have a criminal conviction, can you help?
Finding insurance when you have a criminal conviction or prior can be extremely difficult when calling the direct insurers. We have the tools and links with insurers that may be able to assist. Call us for a confidential chat on (07) 5406 0289 or start a quote online.