Top 10 Frequently Asked Questions
Updated: Jan 19, 2023
The best way to understand the insurance cover that you require is to talk this through with us. Your questions, answered here:
1. What does an insurance broker do?
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.
2. Why use an insurance broker?
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.
3. What service does an insurance broker offer?
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, Marine or Aviation. The broker forms an ongoing relationship with you to acquire all the knowledge required to provide a better service to you.
4. Does an insurance broker operate the same way, as an insurance agent?
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.
5. How do brokers handle claims?
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
6. How are we regulated?
Insurance brokers require a license to transact insurance broking under the Insurance Intermediaries Act, 2006 and are regulated by the MFSA.
7. Wouldn't it be cheaper to go straight to the insurer?
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.
8. How do insurance brokers get remunerated?
Brokers receive a commission (brokerage) from insurers on the business they place with the insurers. The commission normally takes the form of a percentage on the premium paid.
9. Why should I choose Max Insurance Brokers, and trust them with my insurance requirements?
With us, you can put your mind at rest knowing we ensure you will get the optimal insurance cover for your needs at the minimum premium.
Should you be working with a major insurer and just want to browse the market, in scope of finding a better deal, we can source quotes for you from all the reputable insurance firms in Malta, including your current insurer, which then we can compare and advise which one you should opt for.
All in all, we guarantee YOU a personalised service.
10. How do I start?
A well-organized FAQ section helps readers find clear answers to common questions without spending too much time searching. Providing simple and useful information also improves the overall reader experience and builds trust.
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