Frequently Asked Questions

1. Why should I use a broker to purchase insurance?

An insurance broker can save you time, money and worry. Just like an accountant or lawyer who provides you with professional advice, based on years of training and experience, a qualified broker can do the same with your insurance.

When arranging insurance, many people take shortcuts without seeking proper advice, understanding the fine print or considering whether they are getting value for money. Often they are disappointed when their insurance doesn't come to the rescue.
Whether it's business, life, property or vehicle insurance, brokers provide expert advice to make sure you are properly protected.

There are so many different types of insurance covers in today's market that it can be very confusing for the everyday person to select the correct insurance products for their own needs. By working with McLardy McShane, you are able to work with a qualified Insurance Broker to ensure that you have an insurance program that is tailored to your specific needs.

McLardy McShane will always work on your behalf, not the insurer's, for all aspects of your insurance from quoting to handling claims. We aim to take the stress and difficulties out of dealing with insurance companies as we believe you have much better things to do with your time. We can assist you with completing insurance forms, lodging claims, organising premium funding and sourcing suitable repairers should you have a claim.

An insurance broker's foremost duty is to his or her client. At McLardy McShane, we embrace the General Insurance Brokers Code of Practice which is intended to promote good relationships between insurance brokers, the people they insure, insurers and others involved in the insurance industry.

2. Does it cost more to use a broker?

Using a broker doesn't necessarily cost more. Often it costs less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf. A broker will also explain your policy and any special situations you need to be aware of. In addition, a broker is obliged to advise you of any fees that will be charged for services provided to you.

3. How do I make a claim?

Your Insurance Broker is able to assist you with lodging and dealing with your claim. You need to make contact with our office as soon as possible after a loss occurs, to ensure your claim is not delayed. We also have a dedicated claims manager who assists with the handling of your claim to ensure you receive the best possible outcome. I you need to lodge a claim please call us on 03 9429 3600 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

4. If my circumstances change do I need to review my insurance?

Absolutely!

A change of circumstances may mean the insurance you have in place is no longer suitable. It may be that your circumstances change in a way that means your risk is reduced and you're paying too much, or that your risk is increased and you're exposed to uninsured losses. Either way, advising your broker of your changes will allow them to review your insurances and ensure your policies remain relevant. It's advisable to review your insurance regularly - at the very least annually - because changes may have taken place that alter your risk profile, and the policies available to cover your risks may also have changed.