A Valentines Day message from the team at AB Phillips

1. Brokers do the legwork for you
   Not many people have the time or knowledge to source comparative quotes and review policy wording to find the product that best meets their needs. That’s what brokers are for. They read the fine print so that you don’t have to.
    

2. It’s all about you (yes, it’s personal)
   A good broker knows how to get personal in a professional sense. They need to ask personal questions, but it’s about knowing the right questions to ask to understand your unique situation. Good brokers are usually personable people with a knack for relating to others – in fact, many people use the same broker for decades because of the value they place on the relationship they have built with them, based on trust and confidence.
    

3. Brokers are experts in their field
   Brokers are required by law to undertake specific education in order to get their accreditation and keep it. This means they are always up-to-date with changes to legislation and regulation. They also need to stay abreast of the many different products on the market, and know the pros and cons of each. 
    

4. Brokers have networks they can leverage to get you a better deal
   Brokers can usually get you a better deal by leveraging the relationships and networks they have in place. They often have access to policies, rates and terms that aren't available in the open market, and can also tailor policies specifically to clients' needs. It's this bespoke service that gives brokers an edge.
    

5. Brokers are responsible
   By law, brokers are required to carry professional indemnity insurance to cover them in the event of professional negligence. This means that so long as you provide complete disclosure to your broker, you can rest assured that if something goes wrong due to an error on their part, you'll be covered. So you can relax.