As an independent insurance brokerage firm, we receive numerous calls every day from clients who have questions about their auto, home, and business insurance policies. Some have seen their premiums increase without understanding why, others are unable to obtain the insurance coverage they need, or they are confused by the specific features of different insurers and their service offerings. Since we are not affiliated with any insurance company, Assurances Multi-Risques is free to answer all your questions and help you choose the right insurer for you, in a completely impartial manner. In this article, we would like to help you understand how to choose the right insurer (or insurers!) for your needs.
Which insurer should you take out insurance with?
First, you need to understand that all insurers have different target customers. And that all customers are unique and have their own specific needs! The right insurer for your neighbor may not be the right insurer for you. That’s why shopping for insurance can quickly become a chore if you don’t know where to look to meet YOUR needs…
Furthermore, a single insurer may not necessarily be suitable for all your needs. All too often, we find that some clients insure their entire insurance portfolio with the same insurer, when unfortunately this is not the best solution.
En ce sens, chez AMR, en tant courtier d’assurance indépendant, il nous arrive d’assurer un même client chez plusieurs assureurs en fonction de ses besoins. Par exemple, sa voiture peut être assurée chez un assureur X, sa moto, chez un assureur Y, sa maison, chez un assureur Z, etc. Pourquoi ? Parce que chaque assureur a sa propre spécialité ! De cette façon, nous veillons à ce que tous ses biens bénéficient des meilleures protections possible auprès d’assureurs adaptés.
What’s more, the beauty of working with an independent insurance broker is that you can get insurance from several insurers according to your needs, all with just ONE phone call! The broker handles all the paperwork with the insurers, so you only have to deal with one professional.
In short, we know that insurance isn’t the easiest or most glamorous field. However, insurance is a dynamic industry and an important driver of the global economy, with the goal of protecting your assets to prevent bankruptcy. Nevertheless, few people look forward to shopping for insurance every year!
As a broker, our mission is to make your life easier by acting as the point of contact between you and several insurance companies. Over the coming months, we will be delighted to introduce you to the insurance providers we work with to offer you this service as part of our new series: Insurer of the Month. In monthly articles, several companies will answer our questions, demonstrate their competitive advantages, and explain their target market. We hope that reading these articles will give you a new perspective on the insurance industry!