With the onset of technology most people now tend to buy their building & contents cover through the internet. A few quick clicks and before you know it you’ve made your payment, got your cover and inherited a free cuddly toy for your efforts!!
A year passes, you get a letter from the insurer that gets filed in the draw and without knowing it you’ve renewed your policy for another 12 months!
As time passes you suddenly decide one year to actually read this letter and realise that your premium has gone up and has been doing for the last few years without you realizing. Time to take action and start the process again!
Does this sound familiar?
It probably does as this seems to be the new ‘norm’ now for purchasing building & contents cover.
But what is missing from the process?
Once again we simply use one word….advice!
- How did you know that the policy you bought actually met your needs…if in fact it did?
- What are you covered for….did you read the policy documents from cover to cover?
- Is the cover sufficient?
- What is the policy excess?
- Are my contents covered away from the home?
The reality is that most people don’t know the answers to these questions until they have to make a claim, but the premium was cheap!
How much better would it be to not only understand your policy but have the confidence and reassurance that it does meet your needs, you are covered for everything you wanted at the start and your adviser will review it every year at renewal for you, to ensure that it still meets your requirements, and it is the cheapest premium for you?
If this sounds like a better proposition to you ask for a free initial consultation and make sure you have peace of mind if the worst does actually happen to you!