That is this month’s question.

Here at C&R Insurance we know that the majority of people don’t feel as passionate and excited about insurance as we do.

For most, obtaining insurance is a chore that they want to be as quick and as painless as possible.

Often, people simply sign up with the big names in insurance via a website or phone call and assume they have protected themselves adequately, and they probably have.

This is just one approach to obtaining insurance, however. The other is to go through a broker.

Brokers are a one-stop shop that can make sure clients get the best cover for their personal situation.

They are able to compare policies from company to company, underwriter to underwriter, and offer you the best match to your needs.

A broker will ask you more pertinent questions and gain a much more holistic understanding of your lifestyle and possessions than a call centre operator.

They will be able to identify all the areas of potential risk in your life or business and advise on fit for purpose solutions.

Often, when individuals piece together various insurances themselves (business, motor, life, house, contents etc.) they don’t know what they don’t know, so they don’t

consider all the issues that should inform their decisions. A broker can expertly guide you through insurance policy details.

Another advantage of using a broker is that should you need to make a claim, you will have someone who knows the industry inside out on your side. If claims are disputed,

your broker is your advocate to the insurance companies.

This can take an enormous amount of stress out of the claims process as sometimes if you have different insurances with different companies they will each try to make the

other responsible for the claim, and you, the client, become caught in the middle.

So next time your insurance is up for renewal, think about talking to a broker to see if their services can make being insured as painless as possible.

At C&R insurance we make it easy for our clients.