Advocacy and accountability to our clients are key parts to our mantra.

Over the past year we have sadly seen a general deterioration in claims services from insurers to the extent anecdotally we think that up to 80% of initial claims settlement offers that come back to us from insurers are incorrect, not in accordance to policy or respected insurance practice.

We do not take insurer claims settlements for granted we scrutinise all claims settlements, this is our role as we represent our clients.  These initial offers often miss a policy benefit, contravene Common Law insurance principles or are a complete misconception of a claims handler or loss adjuster. As long as we feel there is a valid case we will continue to work on this either directly or via our National Broker Group, Steadfast assistance.

Often insurance company representatives declare to us that their direct or affinity e.g. a bank, books of business perform better than a broker. My take on this is that from what we see some claims declinatures never get questioned or there is no person representing the insured to scrutinise a settlement, subsequently underpayments are made. These underpayments save the insurers MILLIONS. Intention, definitely NO, maybe some motivation to make some small savings YES. The source of this issue is the inexperience of the claims handlers, pressure of time and workload, lack of understanding of a particular policy or the incorrect application of an insurance principle.

We do a lot of background work to achieve you the best result.