Why buy insurance locally?

March 22, 2016

Why buy insurance locally? The government website, the Money Advice Service, gives a pretty convincing reason for using your local broker – you are likely to find superior cover at a competitive price.

Expertise

Insurance brokers are experts in their field. This involves a twofold approach:

• understanding your personal circumstances and the home, car or business you want to insure – an understanding that might reveal elements of cover you yourself did not even realise might be necessary for comprehensive protection; and

• a thorough knowledge of the whole of the insurance market, so that just the product to suit your needs may be found – at the right price.

Local knowledge

A local broker also understands those circumstances which might call for particular types of insurance in some parts of the area – if your home is vulnerable to flooding or has been subject to subsidence in the past, for instance, any insurer needs to know these facts and take them into account when accepting your application.

Alternatively, a local broker may be able to advise on home insurance policies which may save you money on premiums simply through the omission of cover for such risks as flooding or subsidence.

Take our situation here at Alan Blunden Insurance Brokers, for example. We have been in business at our offices in Essex, since 1946. Seventy years is a long time to gather a thorough understanding of the area, its inhabitants and their local insurance needs.

Personal service

Our local clientele is treated to a level of friendly, personal service you are not going to find by talking through an insurer’s call-centre, still less by using a web-based comparison website.

We offer a dedicated telephone line, where you are able to speak to a real person in a language and accent you understand, visit our website or even call into our offices in Westcliff for a face to face meeting.

Claims

If the worst comes to the worst and you need to make a claim on one of the policies we have provided, we are still there to help you negotiate the sometimes tricky processes involved.

With our help, you may be certain of getting a settlement that is full and fair.

Price

Although the price alone is rarely the main reason for your choosing one insurance policy over another, a local broker knows where to look for the best deals likely to suit your particular, individual needs.

We may do this by spotting those discounts and promotions from insurers that might not be immediately apparent to the inexperienced eye.

But we offer our own discounts and promotions too – the most attractive of which may be our price match guarantee for private car motor insurance, to meet the price of comparable insurance you may have found elsewhere, even if it is the cheapest you found on a comparison website.

Go local

In short, there are a number of reasons why you might want to choose local insurance over anything you are able to find elsewhere. You may choose from personally handpicked and tailored policies that not only suit your individual needs and requirements, but also come in at a competitive price.