Why Go Through A Broker like Car Insurance Market?
Arsalan N.: A broker firm is like many options under one roof. I think that is the first main important thing. You'll get different options from different companies and you find the best one for you.
Shalni B.: It's always better to buy your insurance from a broker rather than going direct or going to a bank or to very similar mechanisms, simply because brokers are here for a reason. They have done their research, they work with several insurance companies that they can give you various options. If you go direct then you are bound to buy that product. If you're also going direct then you'll have to approach several insurance companies to compare it by yourself which is extra work for you, whilst a broker can give you various options.
Seema M.: And then we know what vehicle we have to insure. We know which insurance company will give them a better rate, better security all that really matters. So, it's the price, it's the service, if it is the insurance company, all these matters a lot. And what coverage is there in that particular insurance. So that's the reason they should come through us because we will see to it that we give them the most competitive rate with a good coverage.
Avinash B.: When you buy directly from an insurance company, you are one of several thousand clients for them and their objective is to charge you the most possible money and give you the least possible benefits because this eventually leads on to profit for them. It's different for a broker, we are independent and our objective is to retain you as a client over the long term, regardless of which insurance company you buy from. So, our objective on the other hand is to make sure that we give you the maximum possible benefits because at the end of the day, it is going to be the same people, it's going to be us who have to help you out at the time of a claim.
Mark L.: Buying an insurance from a bank, through bank or from a showroom, it's like you are dealing with or buying it directly from an insurance company.
Seema M.: Banks, again, usually give insurance when you finance a car. When you finance a car with the bank, they have the insurance built in, you know. So it becomes very easy for the customer to take in insurance from the bank itself. But still, they have one product, whereas brokers have a lot of products which the client can choose as well.
Avinash B.: If you're buying your car insurance from a bank or a car dealer, you are not buying it from an insurance professional. All they want to do is sell you something and make a quick buck out of it. They do not have any sort of infrastructure to serve you in the time of a claim afterwards nor do they have any intentions to train their people to sell the products appropriately and let you know about all the details about the policies.
Fayaz K.: Not necessary that you will get the best rates from them because it's compulsive.
They can always play around with your rates and more of the services are under question, whereas a broker who's always with you from the time of the inception of the cover 'til in case of unfortunate event of a claim or 'til the expiry of the policy or renewal, proper followed, everything should be there, which the dealership agent cannot guarantee or service.
Arsalan N.: Plus, the broker firm's like if you have insurance, insurancemarket.ae they have a claim service, like claim service which you won't find with the insurance companies.
Fayaz K.: If there is a case of claim because of the volume of business we present to them, insurance companies, they take it seriously, more seriously than a person who's making an individual insurance. Because of the volume of business and we have a dedicated claims team also which will help them to get the car service or repair done at the earliest. So, customer gets a peace of mind because he has a consultant who will protect him against any misrepresentation. Second thing, he has somebody who will walk through the claims and he gets a better service at the time of issuance of the policy, and guidance. So, customer is in a bit of rest when he goes to the broker.
Mark L.: Compare the prices. So, with insurancemarket.ae you will be having the most competitive insurance quotations as per the market because with insurancemarket.ae, we have reputated insurance companies that are giving very good rates. So I will rest assure you guys that if you go to insurancemarket.ae, you will be having the best value quote or insurance for your market.
Seema M.: We do give better rates than the insurance company itself. The reason being that we give them up big portfolio of business.
Fayaz K.: So, our purchasing power is so huge, that other insurance companies give them special rates and special features and special services.
Avinash B.: Certainly it is going to be cheaper to buy from us than to buy from the insurance company directly, or even a bank, or a car dealer. But, what is more important is that when you buy from us you have a commitment to claim service.
Rushani P.: At the time of a claim also, you can get a very good service through a broker company and I think it's really good to go through a broker company.
Fayaz K.: The actual value of an insurance company comes into play when there is a claim or when there's an assistance required, that is when these things come into play. If you are with a proper provider, proper agent or consultant you have, they will go through the entire process of claim with you, help you out. If there's any problem you are facing in the policy, that also will be sorted out when you're with a broker but when you're an individual, in the insurance companies you will have tough time dealing with your claims.
Avinash B.: We need to be there for you for the twelve or thirteen months of insurance cover. You should be able to give us a call like anytime when you are in real need and we should be there to help you. And if it is a slightly unusual claim or it is a catastrophic claim, God forbid, we should be representing you in front of the insurance company to have your claim paid as soon as possible. This is our job.
Shalni B.: I think you'll save a lot of time. You also save money because you can see what's available in the market, and it's just convenient. So you'd rather go with a broker than anybody else.
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