Your questions answered
Expert: Clive Turner
Chartered insurance broker Clive Turner has worked in the industry for 30 years and runs his own brokers based in Longridge, Preston. He can find the solution to most insurance problems, domestic or commercial.
I see a lot of cheap insurance policies on the internet. Are they any good? -Jessica Sheffield, Penwortham, Preston
That’s a very good question. All internet purchases are treated by the Financial Services Regulator as ‘non-advised’ sales. What this means, simply, is that it’s like buying a tin of baked beans from the supermarket. If you don’t like them, it’s just hard luck. If this were to happen to you, all you would have lost would be a few pence but if you bought an insurance policy that failed to pay a claim because it was set up on the wrong basis, then you could have a serious problem to deal with. A recent survey showed that a large percentage of policies set up on the internet were set up on the wrong basis and with a simple motor insurance being based on over 20 different rating factors it’s quite easy for an untrained person to get it wrong. Perhaps this is why the use of the internet for insurance sales has fallen by 20% this year. My advice has to be always take out insurance through an independent professional. This makes your purchase an ‘advised’ sale and the professional is legally responsible for the advice that they give – giving you 100% piece of mind. Clive is happy to give further advice on insurance problems during office hours on 01772 783286.
Other questions answered by Clive Turner:
Can I insure a car and van on the same policy?
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