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What
does an insurance broker offer?
This
is insurance companies like: Santam,
Mutual and Federal, SA Eagle, AIG
and Unity Insurance.
?Personal contact
?Expert advice and assisstance to
make the best decision.
?Technical and practical advise due
to experience in the open market
?
Purchasing power (muscle) with
insurers in the event of a disputed
claim.
?
Can offer more than one insurance
product
?
Customers come first - a loss will
not affect the their profits
What
does
a direct insurer offer?
This
is insurers like: Outsurance, Dial
Direct, Auto and General etc...
?Quick and convenient service, but
not necessarily what is best for the
client
?Their operators works on a basic
salary plus commission , so they
want to sell their only product to
you and earn commission. They cant
offer you a variety and their
specific product might not be the
best product to satisfy your needs,
but whether it suits your needs is
irrelavent to them.
?No
forms to fill in, but most brokers
nowadays also use voice recordings.
?Direct insurers claim that they can
offer cheap car insurance, but in
practice they are not necessarily
the cheapest. Cutting out the
middleman is not the best option.
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Interesting Fact :
Santam Insurance
is the biggest
insurance company
in South Africa.
Santam has
made a clean sweep of the
South African Financial
Services Intermediaries
Association (SAFSIA) awards
(for the year 2005) by being
named Personal Insurer of
the Year, Commercial Insurer
of the Year and Corporate
Insurer of the Year, all in
the short-term insurance
category.
This
makes Santam
the biggest and best
house and car insurance
company in South
Africa.
Having car insurance
with Santam
makes a lot of sense !!!
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