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Going direct
Tuesday, 20 October 2009 22:35
CarandHome_Home_DirectInsuranceWe all know someone who believes firmly in the motto: why pay someone to do something you can do yourself? He cleans his own pool, cuts his own hair and deals directly his insurer. You may laugh, but there’s value in his penny-pinching. When taking out home insurance, going direct cuts out the middleman and could save you money in these trying economic times.

Do your homework
One of the benefits of going through an insurance broker is that you benefit from their accumulated knowledge and experience – at a cost. So, if you choose to deal directly with your insurer, rather than go through a middleman, you need to do your homework.

Get comparative quotes, ask questions and, most importantly, read your policy – especially the fine print. Otherwise, come claim time, you may find you have undervalued your household contents simply because you didn’t familiarise yourself with your policy. Then, the money you have saved on the broker’s commission will seem pretty insignificant.

Ask silly questions
Most direct insurance companies have made the effort to streamline the process of taking out home insurance. They have set up call centres with efficient and knowledgeable staff and some even host accessible online facilities that now allow you to conduct many functions, such as getting a quote and claiming, quickly and easily.

These insurance companies are also usually more than willing to answer any questions you may have – no matter how ridiculous or insignificant you may think they are.

In today’s economy, every penny counts. Why pay an insurance broker a commission to process your home insurance policy when you can do it direct? Provided you take the time to familiarise yourself with your insurer’s policies and procedures, and with the terms of your policy, dealing directly with your insurer is the smart consumer’s tip to save money.
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