When you drop your children off at nursery, kindergarten or school in the morning you are very much reliant on the teachers, staff and establishment making sure they a safe and protected until you pick them up at home time. The good news for parents and children alike is that the vast majority of nurseries and schools do in excellent job in making sure health and safety is paramount to them. And by performing such risk management tasks the chances of accidents occurring are reduced as can their nursery insurance and school insurance premiums.
This article looks at 2 secrets that nurseries and schools can use to reduce their premiums.
With literally thousands of insurance companies, brokers and providers nurseries, schools and other childcare providers are faced with a massive choice. So faced with decisions at every turn finding the right insurance cover is sometimes difficult.
This article will therefore give you some free advice that insurance providers rarely share with their customers. These few steps could help you find the cover that is best for you at the right premium and with the best service.
The first secret to making sure you get the nursery insurance and school insurance cover at the right premium is perhaps the one that most people will find hardest to believe but it really works.
When ringing around for insurance quotes the chances are you will be asked what is your current premium or what is the best price you have had elsewhere.
The mistake most people make when asked this question is to not tell the person asking the question. However if you are asked the best price you have had, tell them.
Most people assume that by telling an insurance broker or insurance company your premium you are at a disadvantage. The truth is the opposite is true. Let me explain.
If you tell a good insurance provider the premium you have elsewhere they should have a good idea straight away whether the premium is too expensive, too cheap or about right. And knowing this information they can give you an immediate indication if they can get a lower premium for you. If the insurance broker or insurance company know they will not be able to help you they can tell you and save you time.
Another reason you should give them your premium is because most insurance companies will not give you the best price unless they have a premium to beat. Let me say that again, if you do not give your insurance broker or insurance company a price to beat, there is every chance you will not get the best premium. However, if you do tell them, they can often use this information when dealing with the insurance company which can ultimately save you money.
One final tip on this matter is, do not be tempted to make up a premium. For example, Mrs Buzz is looking for a Nursery Insurance quote and she has a best price of 2000.00. She wants to save some money so when asked the question of what is the best price you have had so far she decides to go in low at 1000.00. By Mrs Buzz doing this most companies will know the price seems low and because of this many will not provide a quote because they know they will not be competitive. However, had Mrs Buzz been honest and said 2000.00 there is every chance she could have saved some money on her nursery insurance.
Therefore Secret Number 1 when looking for nursery insurance, school insurance or indeed any type of business insurance is be totally honest. Give it a go...it really works.
Secret number 2 is common sense but so many Nurseries and school fail to make sure it happens because they are focusing on the premium. Tip number 2 to ensure you get the right cover is therefore to use an insurance broker or company who has an understanding of your requirements.
You can often establish this by listening to what, how and how many questions they ask you. And how they react to what you are saying. If they enter into a conversation about your nursery or school it is very likely to be because the more information they have about your premises and needs, the better cover, premium and service they can provide you.
If the conversation is very scripted and they fail to understand what you are looking for or do not ask the type of questions you would expect there is every chance it is because they do not really understand what your school or nursery needs. If this is the case you risk not getting the right cover and ultimately not being correctly insured.
These 2 secrets alone could save you time and save you money on your nursery insurance and school insurance premiums. Give them a go and make sure the protection and peace of mind you want for the children in your care doesnt cost the earth.
Author Resource:-
For information on Nursery Insurance visit The UK Nursery Insurance Brokers, Northern Counties Insurance Brokers.
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