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Broker vs. Going Direct |
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Insurance Information
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Dealing with an Insurance Broker versus “Going
Direct”.
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To deal with the middleman or to go direct: that is the question
facing many individuals looking for car insurance or
household cover in South Africa.
Insurance brokers
Dealing with an insurance broker means that you can schedule an
appointment and sit down to discuss your unique insurance needs. (S)he
will be able to tailor a car insurance policy to suit your cover
requirements; at an insurance rate that will suit your pocket. If
you prefer doing business on a face-to-face basis, and have someone
who you can call whenever you have a question or an insurance
related problem, then this may be the way to go.
Additionally, an insurance broker will be able to give you expert
advice and help you choose the most suitable insurance policy
for you. They should also have extensive experience and a solid
knowledge of insurance policies and products.
Dealing directly with the insurance company
Many insurance companies in South Africa, most notably Dial Direct
Insurance and Auto and General Insurance, have geared their
operations toward being direct insurance providers.
As a prospective car or household insurance buyer, you have the
choice of requesting car insurance quotes online or calling
their respective call centres to obtain an insurance rates quote.
Direct insurance companies offer quick and convenient service from
anywhere in South Africa, thanks to streamlined call centres. Most
of these call centre operators benefit financially from policy
sales, so they will want to provide you with the best level of cover
most suited to your individual needs. They can’t however, give you a
comparative insurance quote as they only work for one insurance
company.
Request at least three insurance quotes to make sure that you find
the best insurance cover at the best insurance rates; doing
so online is quick and convenient!
Contact direct insurance companies such as
Dial Direct or
Auto&General for an
online car insurance quote! Also
be sure to check out others, such as
First for Women for women’s
insurance, or Budget Insurance Brokers for affordable car and
household insurance.
There is no “better option” in terms of dealing directly with an
insurance company, as opposed to dealing with an insurance broker.
If you’re starting out and know little or nothing about car or
household insurance, consulting an insurance broker may be a good
idea. Yet given the slick performance and efficacy of direct
insurance providers, you may find that both options will render
satisfactory results: Appropriate insurance cover, at a good
premium, with a good dose of professionalism.
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