Online Risk Insurance by Newcastle Insurance Group I Ubizblog

“Everyone needs a reliable band aid”

When it comes to Insurance in Australia, at times, I stay in ambiguity on what my entitlements are. To my knowledge, Insurance is like a bunch of umbrellas we must have just in case of dark times coming along. We can read through sentences, and at times we genuinely don’t understand the fine print when signing the “Terms and Conditions”. We might make a smart choice and follow the expert advice of Insurance professionals, but at times we are pushed to take on extra options of no use while missing on necessary insurance inclusions. Can you relate to that?

In my journey, I had reduced my Medical Insurance after discovering that I was paying extra $ for something I would never use and even when we filed my car accident case, we would have to pay the so-called Gap, and of course, lose the no claim bonus and have the premiums increase. Waste of time- waste of money. Yet, everyone needs a regular band-aid- the real deal. Life can be uncertain, no predictions, no crystal ball. Who would bank on COVD-19 hit the Planet? We live day by day, hoping to skip any thoughts of what if?! However, troubles happen, they do. They knock the door with no call, no invite. And, we need the right response to the “invader” of our peace and calm.

The trusted broker’s advice comes in handy when assessing potential risks, claims enquiries, paying premiums. Only personal approach and looking into your unique case by case adhere to a better outcome. Imagine, we have someone in the space who can be trusted, who lives and breathes “Insurance”.

Let me introduce Gavin Walker, the Managing director of Newcastle Insurance Group, with his long-worked expertise at multiple Financial Planners and Brokerages, multinational to local family businesses for the last 20 years included. He has a proven track of achievement across various areas as risk and compliance, broad insurance technical knowledge and multiple types of claims. Newcastle Insurance Group, as a family business, offers a tailored to your needs approach.

With the vast access to 150 National and International Insurance, the team of Newcastle Insurance Group can tackle into your current and future cover and deliver the best advice on your situation. When was the last time you spoke to your broker or insurer, and how much has your turnover or assets changed since then?

(Source : Newcastle insurance website, 2020)

Gavin Waker stated they find that the insurance process for most business owners is ‘set and forget’ which causes a problem if they ever have a claim. Gavin provided with an example when a commercial cleaner approached Newcastle Insurance for a quote who cleaned high rise buildings on the inside and occasion went up to 3 stories on the outside. The team reviewed his existing cover and turned out; he didn’t have any coverage above 20 metres, inside or outside, which meant he wasn’t covered?! Gavin added that quite often some policies covering restaurants and cafés have a condition that you need to clean the premises every 6 or 12 months professionally. However, most owners don’t meet this requirement, and it has severe consequences for any claim they need to submit.

Does your company use sub-contractors? Does your policy cover you if you happen to be working with a sub-contractor, even if they have their Insurance? If you have a fog in front of you and unsure what your insurance ins and outs are, it could be a good idea to give your broker or insurer a call to make sure there are no conditions or exclusions that have been missed. It pays always to review your policy every few months, especially if your work circumstances have changed.

Would you like to get professional advice on your insurance conditions today?

Contact Newcastle Insurance Group today:

1300 62 80 80

visit www.newcastleinsurancegroup.com.au

email info@newcastleinsurancegroup.com.au

Follow Newcastle Group on Facebook.

https://www.facebook.com/newcastleinsurancegroup

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