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Let’s face it - insurance isn’t a purchase anyone looks forward to buying. But when something goes wrong, there’s no greater relief than knowing your insurance policy will sort the problem. 

Sadly, for some people, the first time they know that their insurance cover isn’t up to the job is when they get the bad news that their policy won’t pay out. And unfortunately, that is more likely to happen when people buy insurance online….... and we’ll explain why. 

Buying insurance online can feel like a quick win. It’s quick, convenient, and sometimes cheaper. A few clicks, a couple of tick boxes, and job done… right? 

Not always.

In reality, buying insurance online is a bit like cutting your own fringe. At the time, it feels like a great idea. You save money on going to the hairdresser or barber, and you’re confident you can do it because you think, how hard can it actually be? 

The problem is that you don’t always see the damage until it’s too late. And that’s usually when you’re standing in front of the mirror wondering what went wrong!

We regularly hear stories from people who used to buy their insurance online until they actually needed to claim on their insurance…at which point some discovered that their policy wasn’t worth the paper it was printed on!  

The policy seemed fine, but when it came time to claim, gaps in cover appeared. Exclusions they didn’t realise applied. Limits that weren’t high enough. Or risks that were never covered in the first place.

That’s because online policies are built for ‘most people’. And the problem is, most businesses aren’t most people. Actually, most people aren’t usually most people either! 

When you buy insurance through a reputable, experienced broker like Prizm Solutions, you get what it says on the tin.  That’s because an insurance broker’s job isn’t to find you a range of cheap policies. It’s to find you the right policy.  That’s why we read the small print, ask the awkward questions and think about the things you might not even realise matter. Until it does…

It’s about making sure your cover actually reflects how your business works, or your actual personal circumstances, rather than how a generic form assumes it does.

And when something does go wrong, you get a real, friendly human who you can explain everything to, who knows your policy and will fight your corner.

So, if you’ve bought insurance online and fancy a grown-up having a quick look to check that your insurance is what you think it is, then we’re always happy to help. 

No judgement. No pressure. No sales tactics. We just want to make sure that, if you ever need it, your insurance does the job you purchased it to do. 

For all your business or personal insurance needs, whether that’s professional indemnity and cyber insurance or home and car insurance, please give us a call.