In these times of economic uncertainty, some clients are facing challenges maintaining affordable premium coverage. Quite often the discussions involve looking for cheaper direct insurance cover options. It’s important to note that many of these cheaper options mean a reduction in coverage that you may not be aware of.
Insurance policies are not all the same, and it’s vital that you understand the vast difference between a premium policy and a regular one. For example, many direct car insurers don’t offer you a choice of repairer, and many home insurance policies have low levels of cover for rebuilding should you have to upgrade your home due to new building guidelines (bushfire ratings, for example).
The truth is that inflation, rising construction costs and worldwide supply chain issues are creating a perfect storm of rates increasing, in some cases in excess of 30%.
Our job at Bricher Insurance is to communicate with you and clearly outline the differences in the policies, where you can save some money on policies, and most importantly ensure you understand any associated risks with a reduction in policy coverage.
A consequence of a tougher market is that policy claims service becomes much tighter, so now more than ever you need a broker who manages your claim and takes a tough stance on your behalf to ensure you get exactly what you’re paying for with your policy.
When you are looking at your insurance policy, please look at your cover first before the premium. It could cost you thousands at claim time if the coverage is not right for your circumstances.
Bricher Insurance offers:
Business Insurance / Commercial Property Owner / Landlords / Motor Vehicle / Home and Contents / Marine / Professional Indemnity / Management Liability / Industrial Special Risks (ISR)
THE TEAM:
Glenn Stevens, Managing Director
Glenn has been with Bricher for over 32 years after starting out his career in banking and finance. A Qualified Practicing Insurance Broker (QPIB) and a Certified Insurance Professional (CIP), Glenn also holds a Diploma of Financial Services for the insurance industry.
Julie Stevens, Operations Manager
Julie joined Bricher over 25 years ago after a career in bookkeeping. As the Operations Manager she looks after all aspects of our administration back office and systems along with assisting the brokers with travel and landlord’s insurance queries.
Emily Stevens, Insurance Broker and Marketing Manager
Emily has been with Bricher now for 13 years. She uses her Marketing Degree to manage Bricher's website requirements, social media and marketing in addition to her daily insurance broking role.
Temika Hill, Insurance Broker
Temika joined Bricher in 2019 having been in the insurance industry for the last four years. She is both Tier 1 and Tier 2 qualified and has gained experience across a broad range of insurances and she looks forward to assisting you with all your insurance needs.
Nikki Barton, Claims Manager and Broker Assistant
Nikki joined Bricher in 2014 and now acts as both a Broking Assistant as well as co-ordinating the claims management. She holds both Tier 1 and Tier 2 qualifications and can assist with all your insurance queries.
www.bricher.com.au
Suite 3/26 McLaren Place, Mornington
(03) 9808 9222