The aim of INSURANCE is to assist one in recovering from accidental losses, by means of risk management.
A client pays a premium so that the insurers can help carry their risk. Each policy stipulates the conditions under which the insurer will carry the risk and also for what premium. It also sets out exactly what will be covered and what exceptions will not be covered. The policy schedule is a very important document and represents the contract you have with the insurer.
As brokers we guide our clients to understand the cover they enjoy and help them choose and obtain insurance that is appropriate for their need.