This all depends on the individual person or company and no simple answer can be given. Each person/business is different and Veritas Insurance takes the view that all policy requirements should be tailored to your individual needs.
Policies can be complex. The cheapest policies may not contain the desired cover. Certain covers may be excluded or limited. This means that at the time of a claim you may be left out of pocket. Interpreting the terms of the policy for you is part of Veritas Insurance’s professional role.
Although policy cost will always be a factor, ensuring that you have the right cover in place when a claim comes along should be at the top of your list.
Insurance brokers provide professional advice relating to your insurance whether you are a homeowner, sole trader, partnership, small business operator or corporate client.
A major advantage is that insurance brokers have access to policies which may not be available to you through the direct insurance market. In addition, we are able to provide impartial advice concerning the policy cover or options available to you.
We do not charge upfront fees to provide quotations or reviews and all commissions and fees earned when your take out the policy are discussed with you upfront.
Brokers adhere to high professional and ethical standards. Brokers undergo regular training on the latest policies available to you.
If something changes either personally or with your business this could affect the policies which you have in place.
Advising us of the changes will allow us to review your current insurance to ensure that they still meet your needs.
It always makes sense to complete a claim form as soon as possible after the incident as all the facts are then committed to paper and you are not attempting to recall those facts at a later date.
When completing claim forms, it is always best to keep a copy of the form for your own records. For a streamlined claims process, always remember to include all relevant supporting documents such as police report numbers, proof of purchase and a quote to replace or repair.