 How you Benefit
Thorough ... professional ... successful
Having a health condition or less than perfect medical history doesn’t mean you should struggle to get insurance cover.
What it does mean is that you need the support of a specialist team - experienced in obtaining ‘non standard’ insurance - in order to get the cover you deserve.
At Special Risk Insurance we understand the frustration, disappointment and sometimes even humiliation of having your insurance application deferred, or being offered such high premiums that it just doesn’t seem worth taking up.
So, when you contact our expert team, here’s what you can expect:
- A much higher chance of having your insurance approved and/or being offered favourable terms
- A friendly, personal service from people who care
- A thorough approach when presenting your case to the insurance underwriters, that takes into account not simply your doctor’s notes, but looks at your whole lifestyle and the many positive factors that can influence an insurance outcome
- An honest appraisal of what cover you can expect. We will be completely up front with you
- A highly professional, easy to use and confidential service
Improve your chances of success It’s important to note that shopping around for insurance cover using a ‘standard’ approach can reduce your chances of getting the best result.
We strongly recommend that if your application with one insurer is deferred, or you consider the premium loading to be unreasonable, you contact us immediately to have our team of specialists give you a second opinion.
When you shop the same information around a number of insurers before all your medical and/or lifestyle issues have been correctly identified and reported, you’re likely to get the same outcome. Once presented with a case, insurers and reinsurers are reluctant to look at the same case again, regardless of any extra value we can add to it - so your chances of getting the case underwritten at all dwindle significantly.
Call 0800 774 757 or email expert@srisks.co.nz and give yourself the best chance of having your insurance cover approved.
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