I wondered what a broker is. I opened a dictionary and here is the definition: “the broker is a natural or legal person who is part of the insurance intermediaries”. It acts as an intermediary between the insurance company and the insured. His intervention helps you find the best coverage. Not only that, the law also assigns him other tasks.
Above all, know that the broker is an insurance intermediary. His status allows him to play his role of adviser. Indeed, he is responsible for supporting you before signing an insurance contract.
From the first contact, he first asks for personal information related to your needs and your resources. He then uses this data to establish a diagnosis of the risks.
After analyzing your situation, the broker then takes care of finding the best contract that meets your expectations. To achieve this, he negotiates with 2 to more insurance companies. Its goal is to find you the agreement with the best price, sufficient guarantees and good coverage.
Of course, if you want to benefit from his expertise, go to Courtier.fr. You will find professionals with CIF status (financial investment adviser) or expert members of ORIAS (single register of insurance, banking and finance intermediaries).
Believe me, the broker intervenes at the moment of signing the contract. This time, his role is no longer limited to advising, but to establishing the agreement. It effectively verifies that the insurance you have subscribed to contains the guarantees and the cover negotiated.
In short, his expertise consists in verifying the terms of your contract. Thus, apart from the guarantees, it also scrutinizes thoroughly:
Of course, he can negotiate a few more conditions if you wish. Sometimes, he can even suggest that you take out additional insurance to better cover your needs.
Beyond his role as advisor, the broker helps you defend yourself with the insurer. In the event of a claim, it actually takes care of establishing a better file so that you get the best possible cover. In other words, it helps you find the right defenses against the insurer who wants to limit his intervention at all costs.
And above all, the broker also takes care of the administrative procedures at the time of a claim. I confess that his intervention suited me well. Here, he is responsible for carrying out all the necessary procedure so that you can obtain your compensation, such as going to the insurance, drawing up a declaration, etc.
In any case, remember that the broker also works closely with insurance companies. The latter are also responsible for paying him commissions. This means that he is also required to find them clients. I assure you, he is not bound by an employment contract with the insurer. The law even forbids him to do so.