Just recently, I helped a Client who had lost her Husband suddenly. 

He was the sole Director of their hotel business, and the Insurers wanted the policy replaced as the Company had now changed.  I turned this around within the day and was even able to source a more competitive premium with the same required cover.

I received this email from the Client the following morning:
“Thank you, Michelle, you are such an amazing support. Through such a difficult time for me, it has been seamless“

Imagine trying to do this yourself whilst dealing with grief and the pressures of running a business. Brokers are on hand to alleviate the stresses of insurance, navigating the changes when the unexpected occurs. 

A new Client had just purchased a property at auction, a solid brick-built 2-storey unoccupied property.  I provided them with a quote based on a realistic building’s sum insured, and they replied that they wanted a rebuild figure of £100,000 and that they had a premium budget of £150.00.

I respectfully advised that they would be severely underinsured and explained what would happen in the event of a claim and how their settlement would be greatly reduced under the Average Clause.

They thanked me for my explanation and instructed me to place the property on cover with the original quoted figure and terms.