Shopping Around

The best way to find the maximum level of coverage, for the minimum amount of money, is to comparison shop. Contact several companies or agents to compare benefits, premiums, coverage and exclusions.

There are a variety of ways that you can shop for insurance products, including:

• Insurance brokers can offer you advice about an array of products to find you the one that suits your circumstances.
• Insurance agents can often provide package plans that combine a number of policies (for example, home and life insurance), which may be offered at a discount compared to buying each policy seperately.
• You may find it easier to do your own research, and buy a product directly from the insurer over the phone or via the internet.
• It's always worth checking to see if your employer offers you any insurance cover as part of your benefits package.