Caring for when analyzing a proposed insurance

Posted by Admin in Insurance | 0 comments

In my profession I have seen many decisions taken only and exclusively on the price.

I’ve heard: ” I have 100 euros cheaper for my car ”

I say, ” The covers are the same? ”

The customer responds, ” I saw a tall, is more or less. Has Liability, Roadside Assistance, glasses, everything … ”

After it was found that:

1 – The customer does not have the coverage of competition broken down and explained. Only the price and insurance value of the car and marked “Liability, Roadside Assistance, Holders, Glassware, Legal Protection and Damage Own.” It remains to discriminate the Own Damage …

2 – It appears that the value of the vehicle is lower than the market value of the vehicle

3 – There’s new replacement value (see a previous article which means, believe it is essential for a brand new car to protect your investment)

4 – 2% Franchise or fixed

5 – No replacement vehicle in case of failure and / or accident

Customer: ” Ahah! Well because … ”

Dear reader or reader face to avoid this simply do the following:

Ask all proposals in writing to the full breakdown of capital and coverages, deductibles and limits of compensation. If necessary, ask for clarification on certain coverages and how they work.

I do this in my business and my customers know what they are purchasing.

“When the charity is great, the poor are suspicious.” You know that saying? In the insurance is the same thing. If the price difference is very large, of two things: either walked to be “taken” all these years or the coverage and deductibles are not comparable (most likely).

Insurance is too serious a matter to be treated lightly. Make decisions after a detailed analysis. Ask your broker to help in the decision. He or she is his advisers. When you go to the doctor or the lawyer follows their advice, right? Do the same with your mediator. If the mediator is of those who submit proposals without discriminating covers or does not give you the support you deserve, replace the mediator. You only have to win!