Why do I need an insurance broker?

Insurance Broker - a person who serves as an intermediary between the insurer and the insured, and primarily represents the interests of the latter. So, it helps the customer to select an appropriate insurer, to determine the program and obtain insurance on the most favorable terms. In addition to counseling, the duties of an insurance broker is to assist in obtaining insurance payments when the insured event. In short, a good broker can make life easier for the policyholder. But the thing where to find an experienced and how to make sure that it is not a "false rumor"? According to experts in Moscow can be found no more than 100-150 a good broker. The rest, as a rule, brokers, agents who specialize in selling policies of insurance companies. This is the fundamental difference between an insurance broker from an insurance agent. If the first protects the interests of the insured, then the second - a particular insurance company. Ie important for the broker to satisfy the client request, selecting the appropriate option for him (whether it is the optimal price, or absolute protection), and the agent is only interested in selling the largest number of policyholders. There is a sense Consult the broker can be in the following cases: - the insured has no experience of communication with the insurance company - It is a high sum insured - Client wants to insure the "unusual" risk is rarely presented on today's market - the object of insurance is very valuable thing. In addition, a broker can help you save on buying insurance, as well as to avoid absurd situations involving re-insurance or extension insurance. Good or not at this time to find a good broker is quite complex. The fact that the buyers of insurance policies cost the brokerage services for free, and pays for their insurance company as a commission for the perfect deal. That, and understand for whom "work" the broker: the insured or insurer. Therefore, if you decide to use, and similar services, carefully approach the choice of broker. For example, you can resort to a list of insurance brokers licensed to conduct insurance activities in our country, as well as get acquainted with the Uniform state register of subjects of insurance business. Also, do not be lazy to ask around friends, can someone of them already have experience of dealing with a broker. In the end, do not forget that the broker is not a philanthropist, ready on the first call to come to your aid. Try to monitor his activities, and if any doubts about the objectivity of the proposed options, consult an independent expert.