Helping you succeed in life's financial journey

Buying Insurance online or from a bank? Three benefits you might be missing out on

15 November 2018

Insurance Advice Hawke's Bay

Looking for the right Insurance for your needs? It's an important and often complicated decision – no wonder you would like to make it as quick and easy as possible. 

Now, on the surface, online and banks' insurance covers look like a quick and easy solution, with very few questions asked, seemingly lower prices, and short waiting times. But is quick and easy also 'good value for time and money'?

Before opting for one of these policies, here are three things to consider.

1. Are you actually saving time?

Before settling for a ‘one size fits all’ solution, consider that everyone is different and has different insurance needs. And with so many options and so many different features, finding the right solution for your circumstances may require a fair bit of comparison and shopping before signing up.

Remember, comparing premiums and policy wordings across a range of providers can be time-consuming when you are doing it yourself – but with a team of insurance advisers from Cole Murray in your corner, you don’t have to go it alone. We can do all this for you, with a commitment to saving you time (and money) in the process.

2. What will happen at claim time?

When you are in the unfortunate position of having to make a claim on your insurance policy, it is usually a pretty stressful time. Added to the stress is having to complete unfamiliar forms – on which small mistakes could delay your claim getting paid.

We’re not just there when you take out cover – our Insurance Advisers are also your advocate at claim time. If you need help understanding the claims process in a simple way, we’re here to make things easier for you, right when you need it most.

3. Are you getting specialist insurance advice, or just over-the-counter basics?

As insurance advisers, we are specialists at what we do. We know the different products and providers in the market, and what each product does. Because we are non-aligned and not tied to any one insurance company or bank, we have access to the best options from leading insurance providers both here in New Zealand and around the globe. 

This means we can recommend the right covers for your specific needs, meaning we take away any guesswork for you. Having the right cover in place means you are more likely to get a claim paid when you need it, rather than having it declined because you’re not covered in the fine print.

 

Insurance Advice is our priority, not product

‘Quick and easy’ isn’t always the path to take, especially if you’re looking for the right level of protection for you and your family. But with Cole Murray on your side, you can design a plan that works for your goals. 

To ensure your specific needs are considered and met, it's best for us to discuss these with you personally.

Book a Specialist Risk Review with an Insurance Adviser

For a no-obligation review of your risk, contact our team to set up an appointment. It's not just about peace of mind, it's also about having someone on your side who will go the extra mile in your time of need.

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An Adviser Disclosure Statement is available free and upon request.

 


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