An insurance broker will help you identify the risks you are exposed to. The broker will advise you on what insurance products are available for these risks and, at your request, source the insurance covers that suit your needs from any number of local or foreign insurers. The broker will discuss the various options with you and help you select the best option and when agreed place the cover with the chosen insurer and arrange the documentation. The broker will also help you with general insurance advice and look after any amendments to the policies that may be required. In the event of a claim, the broker will assist you in the submission of the claim and will liaise between you and the insurer to bring the claim to a successful resolution.

In both business and private matters it is important that you have the right insurance cover. Wrong or inadequate protection can lead to dreadful consequences, thus the right advice makes all the difference and prevents costly mistakes. An insurance broker is a specialist in insurance protection, is independent and has invaluable know-how of the insurance market as well as access to the most reputable insurers available to provide professional and objective advice on identifying and exposing risks and recommend the most cost effective solutions.

An insurance broker offers a range of services from arranging new covers, insurance quotes, renewals and assists on claims; covering all classes of insurance business be it Personal Lines to Commercial Lines. The broker forms an on-going relationship with you to acquire all the knowledge required to provide a better service to you.

Brokers give advice and assist you in compiling and submitting your claim to the insurer. They arrange for a claim form to be completed by you, monitor the claim process and liaise between you and the insurer to bring it to a successful resolution.

No, notwithstanding the fact that both are insurance intermediaries, there is a big difference between the two. Whereas an insurance agent acts on behalf of one or more insurance companies and can only access the products offered by the insurers the agent represents, an insurance broker is a full-time insurance professional, who works for you and acts on your behalf. The broker is independent, obliged to act in your best interests and can arrange the best protection for you at a competitive rate.

When insurers calculate their premium rating, this also includes a standard distribution cost. Essentially, this means that whether you use an insurance broker or go directly to the insurer, the price will generally be the same. You should keep in mind that the cheapest price may not always reflect good value. Using an insurance broker may not cost you more and, as far as possible, the broker will help you prevent uninsured losses.

No claim is the same. The moment you are aware that you may need to make a claim against your insurance policy, you need to inform us immediately by either calling us on 0709619000 or else sending us an email on wecare@majaninsure.com. We will take it from there and assist you step by step accordingly.
In the event that you have suffered a loss outside our opening hours, you need to remember some basic tips:

• Motor accident – complete front-to-rear form if applicable, file report with police  and get an abstract/OB
• Fire or theft – file report with police.
• Travel claim – file reports with overseas authorities, hotel or airline management depending on the case.
• Healthcare claim – you must always have a referral from your G.P.
• Claim relating to equipment – get a technician’s report and ensure you keep all faulty equipment and cables.

In all cases you should take photographs whenever possible and inform us as soon as possible.