First, choosing an insurance broker may not be the easiest task when you don't know the subject very well. With so many alternatives on the market, you need to evaluate the available options calmly to make sure that the service offered meets all your needs. And, above all, if it conveys the clarity and security you seek to protect your assets. 

So, there are several fundamental points that you should analyze before making a concrete decision. From the initial service to the support provided by the brokerage during the duration of the contract.

Therefore, continue reading below and find out how this service works, in addition to what factors are essential to choose an insurance brokerage that offers exactly what you need. Let's go!

Well, an insurance broker is a company authorized by law to mediate the negotiation of a service between the client and the insurance company. Hiring a brokerage firm for these purposes is mandatory under Brazilian law and it aims to act on behalf of the contracting party. 

In this sense, the brokerage firm must offer all the necessary support to its clients and guide them in the best possible way through qualified professionals with knowledge of the field. Then, the insurance broker provides a personalized advisory service and also represents the client with the insurer.

Indeed, it is the broker who needs to check whether all the requirements of the contract are being met by the insurer, in addition to providing support to the contractor throughout the duration of the contract.  

So, when choosing an insurance broker, it is very important that it offers a quality service, in addition to providing all the necessary support to the customer and guaranteeing the integrity of the insured assets. 

But, how to choose an insurance brokerage with all these features? Check out some tips below that will help you select the best options for you. So, you have all the essential information before hiring the service. 

The acronym SUSEP stands for Superintendence of Private Insurance, and is an administrative entity linked to the Ministry of Economy. Therefore, it is responsible for controlling and overseeing the insurance, capitalization, open private pension and reinsurance markets. 

In this sense, only companies accredited to SUSEP can provide the insurance sales service. Therefore, to find out if the brokerage that offered the service is reliable and regulated by law, check if it is an authorized company through the official SUSEP website. 

Thanks to advances in technology, today we have access to all kinds of information in a few minutes and with just a few clicks. And, you can use this tool to your advantage when choosing an insurance broker that fits your situation.

Therefore, find out about the company's reputation on sites such as Reclame Aqui, Google and Procon. With them, you can check which are the biggest dissatisfactions of customers and how the broker deals with these problems. 

In addition to these sites, social media are great allies to avoid headaches with poor quality service. This is because they are the easiest way to find testimonials from satisfied or dissatisfied customers with the work provided by brokers through their search channels.

To find out if the insurance company meets all your needs, it is important to know all the types of services it offers. Therefore, before contracting the service, find out which are the partner companies of the broker and see if the available options meet your requirements.

In addition, better researching the insurers linked to the insurance brokerage is a great way to assess the credibility of the company and combine different services in case you need more than one insurance for different goods. This is a valuable tip, as the broker takes care of optimizing the contracts and you benefit from trading more than one product from the same company. 

This is certainly one of the most important tips on our list of how to choose an insurance broker. Before closing any deal with the company, ask for all the documents that explain in detail the terms and conditions of the proposal offered. 

So, study the contract carefully and question anything you don't understand, or whatever else you feel is necessary. Signing a commitment like this requires responsibility from both parties, and the broker has a duty to resolve any doubts that the customer has regarding the product.

In addition, this practice prevents you from being harmed in the future by contractual clauses that you were not aware of before signing the deal. 

Well, another important point is to know the scope of coverage offered and whether it really meets your needs. This is because this service varies according to the chosen plan and the contracted insurer. 

So, understand your consumer profile and what risks you are more likely to take before hiring the service. Some items of the available plans have mandatory coverage, but several insurers charge additional amounts in cases of specific claims.

First of all, the insurance deductible is a mandatory amount that the contractor must pay to assist the insurer in case of partial loss of an asset, such as, for example, a car. This amount is determined with the insurance broker during the contracting process and is detailed in the policy.

In this sense, the higher the amount of the deductible, the lower the total amount of the insurance. This option ends up becoming attractive for those who need to secure a good but do not want, or cannot, pay a high price in installments. However, you need to be careful with this alternative and evaluate your financial situation very well before choosing this path. 

That's because in the case of a claim in which the repair value is high, you can get complicated with paying the deductible if you don't have a well-planned budget or if the value exceeds your financial capacity. 

Therefore, consider very carefully the amount of the deductible and policy offered by the insurer before making a decision, and seek advice from the insurance broker if you are not sure how to proceed. 

Now that you know everything about how to choose an insurance brokerage, how about learning about what a vehicle consortium is? So, click on the recommended content below and check it out!