My Five Pledges to You

Is your insurance broker doing the best they can for you?

When your policy is due for renewal, does your broker effectively re-market your risk to ensure that they are getting the best possible terms for you or do they simply give you the rate offered by your current insurance company?

Recently, I have had a number of potential customers ask me to quote for them against their existing broker/insurer.

I’ve beaten the renewal offer, only for the client to go back to their broker who miraculously offer a much lower rate than they initially offered.


Well, mainly because the broker hasn’t done their job correctly and has taken the easy option to quote only the current insurance company. The broker has been lazy, perhaps even taken the client for granted, by not carrying out a full “shopping around” exercise.

Does your current broker give you the latest claims experience as soon as you ask for it, or do they hang on to it for dear life?

From my experience, most brokers are very reluctant to part with this document.


Because they are afraid that you will find a cheaper price elsewhere! Sitting on the claims experience stops you from shopping around.

Would you prefer to do business with this type of broker or one who will offer you the following five pledges?

1       I will shop around for the best deal at new business/renewal stage, contacting all relevant insurers, not just one insurance company.

2       At renewal, I will contact you with the renewal invite price as soon as I receive this from your insurance company.

3       If required and relevant, I will furnish you with the most up to date Claims Experience from the insurance company as soon as I receive it.

4       I will convey to you the best price I obtain from the shopping around I undertake.

5       If another insurer offers me a rate lower than your current insurer, I will take that price back to them to give them another opportunity to retain your business.


If that sounds like the kind of service you expect from your insurance broker, then please call Steve Halliday on 07875 743 271 or e-mail

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