When you want to take out insurance, who are you looking for? The insurer? And who do you think takes the risk of your car? The broker? In fact, the right answers are the opposite: you hire insurance at the brokerage firm and the insurance company takes the risk of your profile. Did you find it complicated? So let’s clarify what are insurers and what are brokerages and what each one does.
But before that, we need to explain what SUSEP is, the Superintendence of Private Insurance. Susep, which is an entity linked to the Ministry of Finance, regulates, supervises, controls, supervises and encourages activities in the insurance sector of all branches. Susep works like Anatel in the telephone industry, for example.
Insurers are companies authorized by SUSEP (Superintendência de Seguros Privados) to take risks and indemnify their clients for any kind of loss according to the contractor in the policy, which we call insurance.
Then, when you sign the policy, you are signing a contract with the insurer and, if your risk is taken, it will be from you that you will receive the indemnity.
Insurance brokers are companies authorized by SUSEP to market the products of the insurers, serving as an intermediary between the insured and the insurer, ensuring compliance with the contract.
The world of insurance has several specific terms and clauses and can create confusion for the customer. With the knowledge the broker has on the subject, it can facilitate and help the client to choose the best insurance and take out all their doubts and can intercede in favor of the insured in situations where there are problems.
In addition to being a less bureaucratic channel to talk to the insurer, where the broker speeds and facilitates processes such as indemnification or endorsement.
In reality, there is no difference between an online broker and a traditional broker. Both should fulfill the same function, which is to serve as an intermediary between you, the insured, and the insurers .
It is up to the broker – both in the traditional way and online – to take care of everything related to his insurance, from quotation and search for the best values and benefits, through hiring, to renovations. The job of the broker is to support the insured, making it easier and making your life safer and safer.
However, with online brokerage technology, the user can view the prices and conditions of various insurers through an online form, making the process quicker and easier.
With Tom Wilcher Corretora’s online insurance quote and service , you also have the possibility to customize online the factors that will make up your insurance, such as deductibles , coverages and additional services.
Regardless of which brokerage firm you choose, it is important to pay attention – in addition to the price – to the quality of care and transparency regarding the services and coverages that appear in your policy with the insurer.
Do you have other questions about insurance ? Below we separate a playlist with the main doubts, among them, what is endorsement, policy and premium. To see the other videos in the playlist, just click “>>” next to the play in the bottom corner of the video.
As seen, the brokerage is a great medium of intermediation with the insurer, facilitating your life from the moment of the quotation until the time of the accident. But with so many options for brokers online and offline, which one to choose?
This is a question that does not have a wrong answer. Both online brokers and traditional brokerages offer the same service: both offer quotes and contracting insurance and all the support and care that the insured expect during the term of their insurance.
However, an online brokerage offers some facilities that not all traditional brokerages offer.
For example, with Tom Wilcher Corretora you can do an insurance simulation online and see on the screen of your computer, phone or tablet the price and coverage of up to 8 insurers in just 30 seconds.
In addition, Tom Wilcher Corretora offers customer service channels such as email and chat, another digital media facility.
Tom Wilcher is an insurance broker, registered with SUSEP under 10.0227943 number, and currently work with eight of the best insurance available in Brazil: AIG Insurance, Allianz Insurance, Bradesco Seguros, Insurance Autofácil Cardif, HDI Seguros, Liberty Insurance, Sompo Insurance , Tokio Marine Insurance .
Are you looking for insurance? With Tom Wilcher, you can do auto insurance quote and others like motorcycle , home and cell phone insurance !
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