How do you buy your insurance?
We are all constantly bombarded by a variety of businesses encouraging us to arrange our Insurance with them. Post offices, banks, supermarkets all want us to sign up for their Insurance product and indeed it is easy to get overwhelmed by the number of ways it is possible to obtain insurance today. On television we see glossy adverts from comparison sites explaining how they can help "save" you money however, as you may already have found out, purchasing your Insurance online can be a real minefield. Sometimes the low price you might find might be masking a high excess and cover may not always be up to scratch. One thing you should never do however is bury your head in the sand and hope for the best!
When you arrange Insurance on-line you are taking full responsibility for ensuring the cover is correct. When you use a broker however, you remove many of the associated risks out of buying Insurance directly. Take a look at the following benefits:
When you buy online or directly from an Insurer then any advice you receive will be limited. A broker, however, will have many years' experience in dealing with a wide variety of Insurers and Insurance scenarios. P J McIlroy & Son Insurance & Investment are fully registered under the Financial Conduct Authority (136095) and can give you advice on the products that best suit your needs. We will ask you about your personal circumstances to help us locate the best policy for you.
Insurers won't always offer you every type of cover when you go directly to them. Brokers can help point out the types of cover available and help you work out what you need. At P J McIlroy & Son we deal with a wide variety of Insurers (directly and through selected schemes) and will take time to find the right product for you. We will do our best to help you get a good deal by comparing prices and product features.
If you are involved in an accident or suffer a loss such as a burst pipe, fire or theft it can be a stressful experience. It is in these situations that you will benefit from having a broker to work on your behalf. At P J McIlroy & Son we will guide you through the claims process and help deal with any problems you might encounter along the way. We can help by negotiating with the Insurer to ensure you are getting a fair settlement for your claim and do as much as possible to minimise any worries you may have. You will not be on your own!
When you shop on comparison sites you might not find cover for things like private medical Insurance that need to be tailored to suit your needs. You most likely won't find bespoke cover either, so if you need to insure something unique like a collection of valuable paintings or a nightclub, a broker will know where to go. At P J McIlroy & Son we can help arrange cover for such things as:
P J McIlroy & Son are a people-focused organisation driven by a passion for delivering value, service and quality to our customers. PJ McIlroy & Son have been providing Insurance to customers in the Ballycastle area and further afield for over 30 years.
We understand that every customer has a unique set of insurance needs. At P J McIlroy & Son, our breadth of sector knowledge means we can create a package of cover tailored to you. We can guide you easily through the purchasing process with each policy individually tailored to the exact demands and needs of the customer and our service does not stop once the cover has been arranged. If you need to adjust your cover or if you suffer a loss and need to claim on your policy we will be on hand to provide you with our expertise.
Our experienced staff will be able to assist you with any confusing terms or jargon associated with policies, with advice on any exclusions or restrictions and the main benefits of each policy. A written quotation will be supplied, together with statutory information such as our terms of business. For more information on some of the different types of insurance we offer please give us a call and we will be happy to discuss your Insurance needs.
At P J McIlroy & Son we take all complaints seriously. If you wish to complain please contact the relevant department using our normal contact details. If your complaint relates to Financial Services, Investments, Pensions, Mortgage or Insurance Products then you may also be eligible to complain to the Financial Ombudsman Service. Please refer to www.financial-ombudsman.org.uk for further information and contact details.