FAQ & Knowledge Center

For you — nothing. Our commission is paid by the insurer out of the premium, which is set anyway. In practice, a proper comparison between insurers usually saves more than any commission difference.

A site compares price; an agent compares coverage, fits it to you — and most importantly, stands by you on claim day. The gap shows exactly when you need help.

When two policies cover the same risk — say via work and privately — you usually can't be compensated twice for the same expense, so you pay for nothing. A portfolio review finds exactly these duplications.

Yes, easily. You sign an agent appointment, and from that moment we handle your existing policies — without changing them and at no cost.

Compare several insurers, adjust the deductible, trim the driver list to who actually drives, and drop irrelevant riders. A ten-minute conversation does most of the work.

It depends on the damage versus your deductible and the loss of the no-claims discount. That's exactly a calculation we do with you before deciding — sometimes not claiming is better.

That structure and contents sums are correct, that the water-damage track fits you, and that you know your deductible. A cheap policy with wrong sums turns out very expensive in a real loss.

Public coverage (HMO and supplemental) covers the broad base. Private insurance complements it — out-of-basket medications, fast private surgeries, transplants and treatment abroad. The right way is complementary layers, not duplication.

When someone depends on your income — a partner, children or a mortgage. The younger and healthier you start, the lower the price, locked in for years ahead.

Group insurance through work is a good start, but it ends when you leave and is sometimes partial. Know exactly what's in it — and complete only what's missing.

Depends on the type: simple property claims usually close within weeks; complex ones take longer. We push, follow up and keep you posted — you chase no one.

A rejection isn't the end. We examine the reasons against the policy, and if there's a basis — we appeal and fight. A significant share of rejections are reversed on a reasoned appeal.

Photograph everything, keep documents and receipts, and commit to nothing with anyone — before talking to us. The earlier you report, the smoother the handling.