Why do I need an insurance adviser?
Why do I need an insurance adviser?
Arranging your insurance through an adviser offers many advantages.
Your insurance adviser can work with you to understand your individual
needs and develop a tailored insurance solution.
Getting professional advice can actually save you money by ensuring
you're only paying for the cover you need. Plus, making sure you have
the right cover will ensure you avoid the risk of potential
disappointment, frustration and financial hardship from an uninsured
loss.
What types of CGU insurance advisers are there?
CGU works with different types of insurance advisers to ensure that
you can access the insurance advice that’s right for you and your
circumstances..
Authorised Representatives - are insurance professionals that
typically act on behalf of and represent one or more insurers, selling
their products and/or services. Authorised Representatives need to be
appointed by an Australian Financial Services (AFS) Licence holder, such
as CGU Insurance Limited.
General Insurance Brokers - act on your behalf to find and arrange
insurance protection. Insurance brokers will typically deal with
multiple insurers and 'shop around' to get you the best cover and price
to meet your needs. Brokers are obliged to inform you of any fees
charged for services provided to you. Brokers have their own Australian
Financial Services (AFS) Licence.
Other intermediaries - CGU also distributes insurance products
through intermediaries that are not authorised representatives or
general insurance brokers. Typically, these are distribution partners
such as banks and other financial institutions that act on our behalf
but have their own Australian Financial Services (AFS) Licence.
How do I find an insurance adviser?
Use CGU's Insurance adviser locator to find the right adviser for you.
Can CGU recommend an insurance adviser?
No, but we can provide you a list of insurance advisers that CGU distributes its products through for you to make your own choice.
How much do they charge?
Insurance advisers that do business with CGU receive remuneration
from CGU when they issue, renew or vary CGU policies on behalf of their
customer or arrange funding of premiums for insurance policies. If the
insurance adviser also charges other fees, they will tell you.
Do insurance advisers specialise in certain types of insurance?
Most advisers handle all types of general insurance, although some specialise in certain types of insurance.
How is the industry regulated?
There are several sources of law that govern the activities of
insurance advisers. These include the Corporations Act (2001) and common
law obligations. The Australian Securities & Investments Commission (ASIC) plays an important role in the regulation of insurance advisers. Industry codes are also an important source of regulation.
Source :
http://www.cgu.com.au/cgu/find-adviser/Pages/why-use-adviser.aspx
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