Insurance brokers have access to the wider insurance market which enhances their chances of finding you a policy that best suits your needs. From finding and setting up your policy, to renewals and management of your cover, a broker can advise on your options and do the hard work for you. They can also help with the claims process around any insurance product you have, including ethical home insurance.
Our brokers work with ethical insurance companies
Our team at Naturesave have an in-depth understanding of which insurers work towards sustainable and divesting against insuring fossil fuels.
Our strategy is to provide ethical home insurance policies underwritten by insurers who either do not invest in fossil fuel production or have a comprehensive plan in place to phase out these types of investment.
Why use the services of an insurance broker?
An insurance broker will have an in-depth knowledge of products and services that suit your needs. They can help you make an informed decision on what type of coverage you need and find a policy at a suitable price.
If your insurance needs are complicated, or you’re looking to protect an asset or item that is unusual, a specialist insurance broker will be able to assist you. For example, if you own a non-standard construction eco home, or a sustainable self-build property, we can provide you with a tailored insurance policy that protects you on multiple levels.
At Naturesave we are easy to deal with and address all claims in-house. We provide eco-discounts for sustainable practices in your home, such as domestic renewable energy systems. We also offer no claims discounts and voluntary excess discounts.
As a client of ours, you won’t have to navigate automated telephone systems, impersonal call centres and AI chatbots; and you won’t need to explain your query or situation to several different people whenever you call us.
What do our insurance brokers help with?
Buildings Insurance
We provide green and ethical home insurance for a wide range of buildings, including non-standard construction properties, rented property, holiday homes, and holiday lets. We are also specialist insurers for:
- Eco-homes
- Timber-framed
- Straw bale
- Completed self-build homes
Energy Systems Insurance
Cover for domestic renewable energy systems comes as standard. We provide insurance for all types of systems, including:
- Heat pumps
- Solar panels
- Biomass boilers
- Micro-hydro systems
Cover is for material damage (including storm, fire, lightning and theft), mechanical breakdown, public liability and loss of revenue. For renewable systems eligible for the Feed-In Tariff see Household Renewable Energy System Information.
Ethical Home Contents Insurance
Insurance for contents in the home, including tech, valuables, collectables, and jewellery.
Do insurance broker services cost more?
Insurance brokers are paid a commission from the insurer not by the client, which means you won’t have to pay for their services. Specialist insurance brokers such as Naturesave have access to insurers that have or are working towards ethical practices and policies. This allows them to source ethical insurance that may not be available to the public, giving you more opportunity to benefit from lower premiums or insurance tailored to your unique requirements. A good broker will act in your best interests while maintaining close working relationships with a range of insurers. This can stand you in good stead should you need to make a claim or negotiate a good deal.
Can I just use a comparison site?
Comparison sites can be used for quick quotes and scanning the market, but they tend to offer generic insurance products that may not be sufficient for your needs. For example, if you own a non-standard property or renewable energy project, you’ll benefit far more from getting the help of a specialist insurance broker than an off-the-shelf policy which might leave large gaps in your cover. Should you need to make a claim, you could find that you were underinsured or not covered for the event you’re claiming for, leaving you to manage a potentially large bill. A broker will also take time to understand your circumstances and armed with this knowledge search a wider market than those offered through comparison sites.
Help with home insurance claims
A good insurance broker should be able to support you throughout a claims process, from start to finish. This will often include talking to loss adjusters and claims departments on your behalf, removing the stress and worry of you having to call relevant organisations about making a claim and its progress. An insurance broker will be one point of contact for you and will keep you updated on the progress of your claim. They will also know what documents and supporting evidence you need to maximise your chances of your claim being accepted and paid. For example, if you need to make a home insurance claim, they will know how long a claim should take and liaise with the insurer to settle it swiftly.
If you are interested in finding out more on how we can help you with your insurance needs, get in touch with us at your convenience. There is no obligation to use our services, and we don’t charge a fee for giving you information on how we can find you appropriate insurance.
Just head over to the Home page on our website and click Quote Me, or telephone our in-house team of specialist insurance brokers on 01803 864390
