Insurance: Should you go with an adviser, or DIY?

If you’re thinking about taking out new insurance policies, or updating the ones you already have, you might have wondered: Should you get professional advice, or DIY it?

There are several good reasons why using the help of an adviser can make all the difference when it comes to adequately protecting you and your loved ones.

Here are few things to think about.

Specialist knowledge

When it comes to insurance, one policy is not the same as the next, and one insurer will not necessarily behave in the same way as another.

As insurance advisers, we have a close working knowledge of what policies are available, how they behave, and what is likely to be a suitable fit for a particular client.

We also deal with insurers regularly and can offer advice on how different insurance companies might approach a particular question, and the claims experience that clients can expect from each.

As with many industries, nothing beats expert knowledge. When you have an adviser on your side, you can avoid the guess work that might come with trying to determine what is available on your own.

We’ve taken the time to fully and deeply understand the market, so you don’t have to. As things change over time, we’ll ensure that your policies remain up-to-date and appropriate for your circumstances.

Avoiding stress

Insurance often comes to the fore in times of significant stress.

Maybe you’ve encountered a health problem that’s taken you out of work for a while, or a loved one has passed away.

These are times when, if you make an insurance claim, you want to know that your insurance will respond in the way you expect. 

When you have insurance arranged through an adviser, we can advise on which policies will apply in a certain event, how they will react, and we can help you to know what to expect at claim time.

Support at claim time

An adviser will also be there to help if you need to make a claim.

This can be an invaluable support during a difficult time and can make the claims process run more smoothly.

Piecing the puzzle together

Many people have several different types of insurance that are designed to work together to provide more extensive financial protection.

Advisers can help you to work out how your policies fit with each other, and optimise the cover you have.