Why Choose Hastings Insurance Brokers?

Choosing Hastings as Your Broker Choosing a Direct Company

IMPARTIALITY - A Broker is not biased towards or against any particular insurer.

Cannot offer impartiality – A Direct operation can only offer the products of their own operation and so are BIASED in their approach

INDEPENDENCE – A Broker is independent and offers advice on the insurance market as a whole

Not independent – A Direct insurance company cannot act independently as they can only sell their own motor, home, commercial and travel insurance.

CHOICE – An insurance Broker has full access to the insurance marketplace and can therefore offer the consumer a wide choice of motor, home, commercial and travel insurance

Cannot offer choice- the Direct insurance company can only sell their own motor, home, commercial and travel insurance which does not offer choice to the consumer

PERSONAL TOUCH – An insurance Broker will take time out to assess and understand the needs of the consumer and offer advice on risks to be insured

Call centre staff or Direct operation staff will also assess the consumer’s needs but can still only offer their own motor, home, commercial and travel insurance to the consumer which may not suit his/her needs as well as another company’s home, motor or travel insurance may.

PRODUCT RANGE – A Broker has access to a variety of insurance companies motor, home, commercial and travel insurance and so can compare and contrast different offerings of different companies in order to advise the consumer of the best policy to take out

A Direct operation will have products on offer also but they will only be THEIR OWN products and as such the consumer is not getting a full picture of what is on offer in the marketplace

REASONS WHY – A Broker will give the consumer a “reasons why” document outlining the best options available to him/her and the reason why the broker is advising one policy and provider over another

A Direct operation can only provide “reasons why” on their own insurance and can therefore only advise on their own products. The consumer may therefore feel s/he has the best advice s/he can get and as a result not “shop around” as advised by the Financial Regulator.

BEST PRICE - A Broker will find the best price for the most appropriate insurance from the best Insurance provider in the market to suit the consumer.

The Direct operation can only provide a single price for a specific insurance product and not necessarily from the best Product Producer in the market

MARKET SERVICE STANDARDS –An insurance Broker knows the insurance market and can assess which insurance provider provides the best quality service for the Consumer.

A Direct insurnace outlet can only sell it’s own service or it’s Product Producers service

CLAIMS – An insurance Broker will guide the customer through the claims process and effectively manage the claim on the client’s behalf. This is an important factor in poeple choosing a broker for their home, motor, commercial or travel insurance rather than a direct company. In the event of a claim the insurance broker handles the claim process and insurance company, taking away the burden and stress of claims handling for the consumer.

When dealing with a Direct insurance company a customer must handle the claims process themselves, a process that often leaves clients bewildered, confused and at a disadvantage to negotiate settlements and conflicts that may arise.