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INSURANCE REVIEWERS LIMITED |
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TOP POLICY |
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Our Services |
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BEST PRODUCTS, BEST DEFINITIONS, BEST PRICE
Ten reasons why you should use Top Policy for all your personal and business risk insurance products. 1. It will cost you nothing to allow us to look at your personal and business situation and review any existing policies you may hold. It could cost you everything if something happens to you and you have no cover in place or the policy you do hold does not pay out on claim. 2. Service - professional, personal and hands-on service. Many of you may been sold a product and have not seen the adviser for five years or more. All you will have received is the annual statement direct from the insurer advising you of an increase in premiums. Top Policy is not a faceless company, we will not sell you a product and disappear. We carry out annual reviews of all product in the market place and relate our findings to each client’s individual circumstances to ensure they always have the best product with the best definitions. 3. Respect - we treat you and your business with respect. Agents can and do sell their client base. You, as a client, could well be sold a number of times, you will be dealing with new agents who really do not know you or your personal circumstances - how can these people advise you? We build a personal relationship with our clients, we keep abreast of your changing circumstances and will advise you as insurers improve their products. 4. Independence - Top Policy is not tied to any one insurance company and as such can give an unbiased and independent evaluation of the insurance policies available. Our loyalty is to our clients not to the insurance company - we will make sure that the premiums you pay are always for the best policy. 5. Comprehensive reports - we provide in-depth reports showing the differences between the major insurers on price, quality of product and how the wording of the policy will impact in a claim situation. We will also carry out a no-obligation free review of any existing insurance cover you hold, explaining precisely where your policy stands in the market place and why it holds that position. 6. Product knowledge - with over 25 years in the industry and extensive research in the specialist field of life cover, trauma insurance, income protection and permanent disablement cover, we have the knowledge and expertise that gives us a complete understanding of all the products available. We will advise you on how things have changed over the years and show you how to set up the policies so they are tailor made for your personal situation. 7. Appropriate Cover - your insurance policies should insure you for long-term financial support beyond paying off immediate expenses. We are able to source the best cover at the best price for your specific needs. 8. Competitive premiums - we can offer you the sharpest premiums. There is a dramatic difference in premium rates between the insurance companies - we can place you with the insurance company that offers the most favourable premiums. 9. Up to date cover - your policies should keep pace with advanced medical technology. Insurance companies are constantly changing their policies but some insurance companies do not pass on the improved definitions to their existing clients. We will show you in plain English - no insurance jargon - whether you have the most recent, most improved, most favourable policies. Don’t continue to pay for sub-standard cover. 10. Claims - on claim we will take over the stress of dealing with the insurance company. We know the definitions of all the policies and can pre-empt any hiccups that might arise during a claim, leaving you to concentrate on your physical and emotional recovery.
Personal Insurance, think Top Policy. Purchasing new insurance, think Top Policy. Reviewing your existing policies, think Top Policy |
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Endorsed as preferred insurance adviser by Auckland District Law Society for over five years |