As an insurance broker, we sometimes hear new enquiries tell us: "Another broker didn't ask for any of this information, it was so much easier!" — while we understand the appeal of fast and effortless quotes, the truth is that insurance based on assumptions can completely invalidate a claim.
Insurance is priced on facts, not guesses
If a broker doesn't ask for details, it usually means one thing: they are making assumptions to push a policy through quickly. If those assumptions are wrong, the insurer can decline the claim, reduce the payout, or void the policy entirely due to misrepresentation or non-disclosure.
Real-world example
A property owner took out insurance without being asked key questions about tenant type, building works, and occupancy. When a claim occurred, the insurer found multiple discrepancies that had never been asked by the broker. Result: the full claim was declined, and the client paid thousands out of pocket.
A good broker will protect you even if it takes a few more questions
It ensures cover is accurate, prevents disputes at claim stage, avoids assumptions that could void the policy, and gives you the protection you think you're paying for.
Final Thought
If a broker doesn't ask questions, it's not a time saver — it's a warning sign. If you want a broker who prioritises proper protection over shortcuts, Eggar Forrester is here to help.