Online insurance: after all, is it possible to take out insurance online?
Nowadays, more and more people pay bills, stock their pantry, buy clothing, schedule medical appointments and much more online. In this vast digital universe, the possibility of purchasing insurance online appears as yet another convenience that helps balance the countless daily tasks. However, to acquire coverage tailored to your needs, some factors must be taken into consideration.
See this post to get the truth about the common misconceptions about digital services and learn how to get the best insurance!
How to purchase insurance online?
Most brokers allow you to purchase insurance online. Contact is made through the website itself and, by correctly filling out a detailed questionnaire, the client provides the information so that the broker can proceed with the quotes .
It is important to emphasize the importance of not omitting information, at the risk of contracting a useless service or losing out in the event of a lack of coverage.
Inaccurate information causes customers to purchase a product that does not suit their needs, leading them to pay more for poorly dimensioned coverage or to become frustrated when they need to use insurance due to a breakdown or accident.
Therefore, after filling it out correctly, the insurance prices will be calculated online in a comparative manner or the broker will send you a proposal by email with the insurance companies that meet your needs and their respective values.
By knowing all the conditions, the customer will be able to choose the best cost-benefit.
In case he agrees, the customer chooses the best payment option: direct debit, credit card, or bank slip. The customer signs the contract and forwards it to the broker. In a few days, the client will receive the policy via e-mail and also to the respective address.
This entire transaction is completed in just a few minutes — excluding the time spent carefully reading the policy conditions , so that the coverage conditions, deductibles and waiting periods are clearly understood.
What are the main advantages?
Among the advantages of purchasing insurance online, the benefits stand out for those who have a busy life and need to resolve important issues quickly and conveniently, but without sacrificing the quality of the service contracted. Understand:
Convenience
Now, the insurance broker’s website is available just about anytime it’s most convenient for you, the client. You aren’t limited to business hours. One can compare plans of different insurance companies with their pros and cons and select one which gives maximum cost-benefit ratio.
Easy
No need to visit the office of the Company or wait for the broker’s call. Fill in a form about the insurance coverage you are interested in, and among the options available that the system will indicate, select. Among the best brokers, their support comes through numerous customer service channels, chats, and exclusive content that is most useful for making the best choice.
Security
Contracting services online relies on software that guarantees the confidentiality of customer data.
Furthermore, paying with a credit card has all the necessary security. However, in these digital times, having a good antivirus installed on your computer and ensuring your own digital security is also an essential measure.
What to consider before hiring?
Before choosing a broker, compare the variety and quality of insurance companies the company works with.
The more coverage and assistance services available in the portfolio, the more appropriate the product choice will be. Also consider:
Reliability of insurance companies
Consult the website of the Superintendence of Private Insurance to check whether the companies are legal.
Good insurance brokers only offer products from reputable insurance companies that provide services to their clients.
Either way, it’s important to research the history of consumer rights websites to see how companies typically handle issues and support customers.
Whenever possible, choose leading companies or companies linked to market leaders, which have extensive experience and a vast client portfolio.
Reliable indications
Talk to relatives, friends and trusted people who have already purchased insurance online. Check the reputation of the brokers they chose on their social networks, through comments and reviews left by customers.
Websites that feature customer testimonials about the quality of insurance and assistance services are also a good source of research.
Simple and functional platform
Choose a broker that has a simple, light and efficient navigation platform, in which products are divided between those for individuals and those for companies.
A responsive website is also important, as it facilitates access at any time and place, allowing the user to have the same browsing experience as on a smartphone.
Broad and easy support
The variety of communication channels (with chat, email, telephone, messaging apps, etc.) is also important, in case the customer wants to clarify any doubts directly with a specialist.
After all, a broker can sell its plans online without giving up traditional services.
At the same time, contact with a team of professionals who offer support and guidance so that the client can make the most of the benefits of the insurance purchased makes all the difference.