In between days

Your choice is made.
It is too late now to change it.
How many times have you made a change, selected something then wondered if you had done the right thing?
With some choices, it is doesn't really matter; brown sauce or red - well it's only one sausage sandwich spoilt, the wrong pair of shoes, they can live with you for a painfully long time.
And with some decisions, they can linger long and have catastrophic results.

Now, consider the world of insurance; all of us do from time to time wonder whether to renew with the same company, the same broker, the same insurer..."they know me, they know my business, they know what I do. They look after me and I am sure that I have the right cover for what ism lily to happen to me." I hope you have said all these things, or at least considered them carefully before renewing.

If there is any doubt in your mind, then stop, reconsider and contact a professional insurance broker for advice.

You will not receive advice if you go direct to an insurance company or a comparison site online.

So if there is a problem in the future, bad luck befalls us all from time to time and you are unlucky enough to have to make a claim, go to the broker, the trusted advisor who said what cover you needed to best look after your particular needs, pointed out what was not covered and what additional covers that were available and say "hey I need to make a claim, can you help me please?"

Their response should be clear and unequivocal: "yes there is cover, let me go through the procedure to deal with the incident"; "No this incident is not covered, it is excluded alas as outlined when we discussed the policy some months ago" or maybe: "I will need to check the policy wording and possibly negotiate with your insurers how best to handle this matter".

Now every claim is straightforward and occasionally a degree of persuasion is needed to resolve an issue. That is when you need an insurance broker to assist you.

There are many independent brokers around, who are not tied to loyalty deals, comfortable relationships with insurers and bonus allegiances and still offer the best deal for you interns of price and cover.

It is important to make the right choice as your business, home and livelihood could be in jeopardy.

Make sure you find one and check out well in advance of renewal that you are with someone you trust to give you the right advice.


I am one of those insurance brokers you can contact, by the way

https://www.youtube.com/watch?feature=player_detailpage&v=scif2vfg1ug

What are words worth? Another tribute

I want to tell you a story and try and keep it light and gentle. So lend me an ear and park yourself in front of the screen for a few minutes and listen to what I have to say.

A few weeks ago, I met a young lady through a Networking meeting. I was impressed with her knowledge of the finer arts of Accounting, from conducting a balance sheet audit to process management; I was truly dazzled by the array of words she used that I understood on their own, but not when linked together.

You know the kind of thing; I came across a Project Manager the other day and he used the phrase critical path method. 

Now I know what is critical; making sure I achieve my targets, whether that is Merlot or Money and I know what a path is; how to follow one and why it might not lead where I want to go; and I don’t struggle with method;- it is how something is done, or not done or just madness. 

But put them all together and I am baffled at what the meaning is.

Anyway, insurance is a little bit like that. We have filled the policies we sell (encourage you to feel the need to buy) with terms that can be just a little too fancy for their own good.

Indemnity is a great example – quite simply you are put in the same position as before the claim – but you never are. Ask anyone.

Average is even better. When a claim is settled, average will be applied if you failed to insure your stuff for the full amount it would take to replace it. So the claim payment will be reduced in the same ratio of underinsurance. Makes sense when you spell it out and sounds fair yes, but average. 

Average is Stoke City on a good day. Average is what Bradman wasn’t at cricket and his average of 99.94 proved it.

So words can be a stumbling block to understanding.

Nothing new there, but spare these word-makers a thought and take advantage of the best word-makers around and choose the person for the job, not the on-line App that promises to meet your every need. It wont.

I am sure that internet is great for many things, but getting a hair cut is not one of them.

So you go to the barbers for styling and snipping and if you want solid, honest and above all clear advice on insurance, please come to me.

For more information on words see link below and clear the fog

 http://www.youtube.com/watch?v=6Vl1m5FYlAo